Final Thoughts On Viatical Life Settlements

Category: Finance.

Viatical life settlements are the latest craze with investors. But not everyone can be the winner- someone has to lose- but the question is who.

It seems making money off of one s death has become even easier with viatical life settlements- and for investors it often pays out fairly well under good circumstances. How to Profit From Viatical Life Settlements. When a terminally ill patient receives the news that they are going to die within an allotted amount of time, it s quite likely that their family will be receiving a health insurance check on their death. Viatical life settlements work based on terminally ill patients. But companies have found a way to get in on the money, by offering terminally ill patients cash in exchange for making the company the beneficiary of the health insurance that is collected on death. But all isn t golden in the equation. This way, the company may get a return on investment while the terminally ill patient gets extra money to enjoy their last days with.

If everyone won in the situation, that d be just dandy. Outstanding health costs and court fees can also arise in the case of a death- all of which the family will have to pay without the help of the patient s health insurance plan. Sadly, the family members of the ill patient will lose out on money they may need for funeral expenses and taxes. The viatical life settlement plan, works great for, thus patients who are responsible with their money. Many life insurance policies can reach as high as$ 100, 000 for the average consumer, so there would be plenty of leftover money for death- associated expenses. It enables terminally ill patients to stop paying premiums, while at the same time enabling them to pay bills and enjoy life while they can.

Other forms of life settlement plans exist, yet viatical life settlements are the most popular among investors. Viatical life settlement fraud is popular among crime rings in today s world. They offer the quickest return on investment, and give good payouts and lesser risk than other forms of life settlements. (In which case other life settlements include the elderly who are of poor health, but aren t necessarily going to become deceased anytime soon. ) A Note on Viatical Life Settlement Fraud and Risk. Criminals may act as terminally ill patients, forging documents that state they have very few days ahead to live. The investors then lose the entire investment, making fraud the biggest risk on the industry. When investment companies buy their plan, they make off with the money.

Otherwise, viatical life settlement is a relatively risk- free business if performed correctly. To help their chances, companies will often pay clients much less than what the payment on death is worth. Companies either tend to make a profit, or make a majority of the initial investment when the patient dies. Final Thoughts on Viatical Life Settlements. It comes down to the basic reason on why health insurance exists in the first place: to help aid loved ones through the financial and emotional stress of a death in the family. Viatical life settlements are great for investors and patients, but care should be taken so as to not put family members in a tight bind upon one s death.

Viatical life settlements, should be carefully, thus considered before impulsively accepting the check from hopeful investors.

It Is Smart To Get Pay Day Loans Responsibly

Category: Finance.

There are many individuals who have found that utilizing payday loan companies may be quite helpful in periods when additional cash is needed suddenly. Many that live from pay check to pay check could occasionally find themselves in this situation when the automobile tears up or there is a family emergency and you have to go out of town.

It is one of the most simple and fastest choices available for an everyday person who might not have good credit or access to any savings when they discover that they are in need of money that they just do not have. It is usually recommended that someone only use payday loans or check advances when it is absolutely necessary. Borrowing funds that you may have a hard time repaying can only worsen an already strained circumstance. It is never good to borrow cash carelessly when you are getting by on a limited budget. Another wise idea is to not get more than you have to have. There can be times when you could go ahead and get a payday loan for frivolous purposes if you are receiving your vacation pay soon or maybe a tax refund. It might be tempting to borrow some extra so you can be more at ease for the time being, but when the time arrives to take care of it you may also wish never did it.

This could be a little more understandable because it would not be harming your regular budget. If you do realize that making a loan is essential, you can shop around for the best deal for a payday loan. Every time you do make one of these useful loans, just do not forget that there are interest fees for the borrowing and weigh what it is going to cost you in the long run for the convenience of having a little additional cash at the moment. A lot of companies may give a somewhat lower charge for their fees. Just make sure you do not let yourself develop a habit of getting a loan all the time because the charges will add up over time. Some places could even give you that initial loan for nothing. It is smart to get pay day loans responsibly.

A lot of loan places will allow you to renew the loan, but of course there is normally an extra charge to be paid for this renewal. If you apply for a loan, plan ahead to be sure you can repay it when it needs to be paid. You must remember, the pay day loan businesses are just that, a company.

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Many People Prefer Fixed Rate Loans Because They Are Predictable - Finance Articles:

There are many available RV finance calculators available online.

Otherwise They Can And They Will Affect Your Credit Record - Finance:

A lot of small businesses are concerned with cash flow and credit cards may seem like the answer to this problem.

The First Stage Is To Find A Company That You Want To Sell Your Policy To

Category: Finance.

Selling endowment policies can seem like a daunting task at first because it is unlikely that you know much about it. The first stage is to find a company that you want to sell your policy to.

However, with a bit of research and with the help of professionals who know best you can get the process over quickly and easily. Make sure that you have researched the company properly and looked at a few others as well so you can ensure that you are going to get the best deal. A lot of people think that they can t sell endowment policies if they are secured on their mortgage. Once you have decided on a company to go with they will tell you how much your policy is worth and you can make a decision whether to sell it to them or not. However, this is not always the case because if the value of your policy exceeds that of your mortgage or the mortgage is being re- paid then you can still sell your policy. All companies are different when it comes to selling endowment policies because different companies accept different policies. Bear in mind hat every company is different however and therefore the terms and conditions are likely to vary slightly from company to company.

This means whereas one company might be more than happy to buy your policy you may not fit the requirements for another company. Another common question that those selling endowment policies have is usually about who will start paying the premiums when they have sold their policy. Therefore it is important to investigate this before setting your heart on a particular company. Once the sale has been completed it will be the responsibility of the new owner to pay the premiums. An independent financial advisor is a good person to go to if you are confused about selling endowment policies. You will stop paying this once ownership of the policy has been transferred and payment of premiums will be taken over by the new owner.

They are professionally trained to deal with this kind of subject matter and therefore will be able to assess your situation and advise you what the best course of action would be. Between the financial advisor and the company you decide to use there will always be someone there to help and advise you every step of the way so you can ensure that you have made the right decision.

Forex Trading Is Not Confined To One Lot Increment

Category: Finance.

Currencies are the money of different countries and currency trading is the exchange of buying and selling of these currencies. The actual exchange rate between the two markets is done through forex trading.

Forex( FOReign EXchange) trading is one of the popular ways of trading in the currency markets. The most popular forex market is the Euro to US dollar exchange rate that trades the value of one Euro in US dollars. Forex markets differ from day trading markets in that forex markets are decentralized and are not provided by an exchange. Since forex markets are global markets, they trade round the clock. The trades are directly between two traders and there could be many different exchange rates for the same currencies depending upon the location of the traders and the brokers being used. This is a margin amount and the individual traders need not be anywhere near the lot size in trading their account since the forex broker would offer the lot size instead. The currencies are traded directly in a forex market and the minimum amount that can be traded is known as a lot, which is at least 25, 000 dollars generally.

The forex markets have a very high liquidity, which is the amount of money traded, and therefore they are able to absorb large trades worth millions of dollars without the market being affected. In a forex trading, traders can place up to 100 lots at a time and can also place stops, trailing stops or limits on open positions or have them preset on market orders. If a person has several million dollars to trade with and wants to convert one currency to another indefinitely, forex trading is well suited. Sometimes they are traded with zero commissions and fees. Clients are able to trade. 5 of a lot. 2 lot or any amount where each lot is equal to 100000 currency units. Forex trading is not confined to one lot increment.

It is possible for trading managers and funds to trade multiple customer accounts from a single window and a block order can be split up among multiple customer accounts as specified by the trader. If the margin is low, there is more flexibility without getting a marginal call. Also traders can open positions in the same currency in the opposite directions without using any additional margin or without the positions offsetting. The failure in online forex trading can be attributed to various factors like: Over trading: the trades should be considered well before trading because each faculty trade may drain equity. It is advisable not to risk a high percentage on a single trade. Bad money management: the risk can be overcome using stop loss orders since single bad trade may nullify the whole year s patient smart trade.

Lack of knowledge: having a basic knowledge and equipping oneself is imminent before plunging into forex trading online. Websites offer a wide range of demo account, which can be practiced and utilized. The knowledge and education of a trader play a vital role between the success and failure in the forex market. Online forex trading offers a great opportunity for profits but with a high degree of risk. Therefore proper knowledge and guidance are essential for a beginner to take on online forex trading.

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There Is No Limit To The Power Of The Credit Card - Finance Articles:

Credit cards have become a way of life for millions of people in the US, credit cards are used for shopping, entertainment and even buying everyday groceries.

Bank Credit Cards - Finance Articles:

Credit has been an economic cornerstone for some time now.

In Either Case The Homeowner Should Investigate The Possibility Of Re- Financing - Finance:

Whether or not to re- finance is a question homeowner may ask themselves many times while they are living in their home. This may sound odd at first but it is important to realize when this is done properly it can result in a significant cost savings for the homeowner over the course of the loan.

Buyer Of This Domain Held By This Domain Charity Will Be Certain To Receive Substantial Media Attention, As Is Always The Case In A Worthy Charity Drive

Category: Finance.

MostExpensiveDomainSold. com has announced its official launch in February 2008 with a raffle that will further assist the worthy causes supported by this project. Buyer of this domain held by this domain charity will be certain to receive substantial media attention, as is always the case in a worthy charity drive.

Never before has a charity drive been created to sell a domain for charity. Therefore, participants will benefit not only from taking part in the Most Expensive Domain Sold raffle charity drive, but they ll also be able to take advantage of a few notable moments in the spotlight. Anyone can sign up as an affiliate to help this noble cause. Most Expensive Domain Sold is an online domain charity which makes a donation from the sell of this domain for charity. It allows people to donate their time and creativity in order to collect necessary funds for commendable charities. The number of list charity benefiting from the charity drive will grow with the program.

Charities currently include: Feed the Children, and the American, Seacology Red Cross. The Most Expensive Domain Sold raffle will allocate 50 percent of the price of the domain sold for charity for to the worthy cause. The remaining 10 percent will be applied to the development and upkeep of the Most Expensive Domain Sold domain charity. Then, 25 percent will be awarded to the first place winner, 10 percent will go to the second place winner, and 5 percent will be won by the third place winner. Each raffle winner is free to spend their winnings however they wish. In order to earn raffle tickets, participants must sign up for the Most Expensive Domain Sold affiliate program.

Official receipts and final totals will be disclosed on the website upon completion of the raffle. Membership in the affiliate program is entirely free. For every referral sent by an affiliate, that affiliate is awarded one raffle ticket. It is then up to the participants to begin producing traffic to the MostExpensiveDomainSold. com website. Therefore, the greater the referral efforts, the better the chances of winning the raffle. Anyone can take part and build funds for charities in ways they d never otherwise be able to achieve. Participation is simple, and good for, free the heart.

For more information about Most Expensive Domain Sold and its domain charity raffle, visit the website at www. mostexpensivedomainsold. com.

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A Historical Commodity Price Index Will Illustrate Prices Of A Commodity At Specific Historical Times - Kelsey Moynihan about Finance:

The Weighted Average Cost of Capital( WACC) is a calculation of a company s proportionately weighted capital according to specific categories.

What Is An Interest Only Mortgage - Finance:

If you are looking for a home but you know that paying a mortgage will be a severe drain on your finances, then perhaps you should look at getting an interest only mortgage.

You Have To Decide For A Mover And To Find Out What Their Moving Quotes Are - Finance Articles:

Decided to move?

The Annual Immovable Property Tax Imposed By The Government Is Approximately CY60- 120 Per Year

Category: Finance.

The annual immovable property tax imposed by the government is approximately CY60- 120 per year.

Common expenses are usually paid monthly or quarterly in advance. The municipal authorities also levy an annual property tax of CY20- 30 per year and other authorities may also require CY20- 40 sewage tax. They vary from development to development and depend on the area and type of property. The estimated total is in the region of CY150 to CY300 per year. They cover an owner s share of the cost of cleaning and maintaining common areas and gardens, electricity in common, swimming pool expenses areas, rubbish collection and, management fees repairs. The relatively low cost of living in Cyprus is definitely one of the advantages that appeals to the potential buyer.

In fact, recent statistics pointed to Cyprus as being one of the most inexpensive countries in Europe. The island offers a full but comparatively inexpensive lifestyle. The local markets flaunt a wealth of colourful fresh fruit and vegetables, meat and fish locally grown and produced whilst the modern supermarkets are fully stocked with a large range of local and imported goods. Agreements with an increasing number of countries eliminate the double taxation of income earned in any one of these countries. Compared with other international financial centres, Cyprus offers a distinct benefit in the form of double taxation treaties. In practice, the tax levied by one country is credited against the tax levied in the taxpayer s country of residence. Upon the issue of the covering permit or, if this is not required, an application must be made to the Appropriate Authority for the issue of a certificate of final approval.

Where different tax rates apply, the tax payer will ultimately not pay more than the higher of the two rates of the respectively countries. When this is issued, it will have to be deposited at the District Lands Office so that the registration of the building on the title deed of the land is effected. To date, double tax haven treaties exist between Cyprus and the following countries: Austria, Bulgaria, Belarus, Canada, Czech Republic, China, Denmark, France, Egypt, Germany, Hungary, Greece, India, Italy, Ireland, Kuwait, Norway, Malta, Poland, Russia, Romania, Slovakia, Syria, Sweden, United Kingdom, United States and, South Africa Yugoslavia.

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How Do You Obtain A Good Mortgage Loan With Bad Credit - Finance Articles:

How do you obtain a good mortgage loan with bad credit? And more often than not, the reply we obtain is not the reply we want to hear.

FOREX Trading Conditions Can Be Influenced By Real- Time Events - Finance:

The FOREX market is a cash market where foreign currencies are traded via brokers.

Payday Loans Offer Loans For Even Unemployment - Finance Blog:

Payday loans can help you in all walks of your life.

There Was A Time When Buying Long Term Care Insurance Was Fairly Easy And Pretty Cut And Dry

Category: Finance.

There was a time when buying long term care insurance was fairly easy and pretty cut and dry.

Generally speaking, the cost for a nursing home resident today is about$ 71, 000 annually, which works out to around$ 200 a day. Times have changed for this particular type of insurance and anyone considering buying it would do well to spend some time investigating carriers and coverage levels as well as premiums. The cost for non- resident, assisted living comes in at around$ 32, 000 a year, or$ 88 dollars a day. The major reason people want to buy long term care policies is so they can protect their assets in the event they need to pay for nursing home occupancy, or home care, assisted living expenses expenses. In both cases, that is a lot of money over the course of time. Those who do not have this type of insurance are often forced to liquidate their assets in order to get the care they need. On average, if you have more than$ 300, 000 in personal assets, you may want to look into long term care insurance as a means of protecting yourself.

For many people this means selling the home, cashing in on retirement funds, and depleting savings accounts. The age in which you purchase these types of policies is important. Your physical condition is also important. A person who is fifty- years- old may pay$ 2, 000 for a policy, while a seventy- year- old may end up paying as much as$ 8, 000 or more for the same policy. If you suffer from certain forms of mental conditions such as schizophrenia or dementia, or if you are wheelchair bound, you may not even be able to get coverage. The truth is there are fewer companies offering this type of insurance today than there were some years ago.

All in all, the younger you are when you get the policy and the better your health, the lower your premiums will be. At one time there were over one hundred companies offering long term care policies, now there are only five or six. You will also need to check and make sure that the company has not had to raise its premiums drastically. If you believe that you need this insurance, you should try to get coverage only with a well- established company that has a history of being in business for at least fifteen years and has faithfully served its long term care policyholders. These increases in premiums often occur when companies begin to pay out on policies that they wrote years ago and that they did not accurately price. Researching what your options are in long term care insurance will take time, so the sooner you begin the better. Your state insurance commission can also help you in deciding what fair pricing is in your region as well as inform you on any current regulations that pertain to long term care insurance.

You should not sign up for any plan until you have had time to look into several plans. As an added precaution, you may want to speak with a reputable financial planner to get some tips on how to best approach this time of life.

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We Ll Spend The Most Of Our Time Looking At EBay With A Tiny Portion Of Time Looking At Creating Money By Adsense - Finance Articles:

Within this commentary now, we are getting to look at a few different techniques that you may perhaps make cash by developing an on line enterprise chance.

Visa Business Credit Cards - Antonia Hayton's Finance blog:

If you ve been considering getting a business credit card based on the rewards that it offers, you will find that the major business credit card issuers provide the most comprehensive rewards programs available to business credit card holders. Rewards Visa business credit cards allow cardholders to earn certain points on a number of business expenses.

See Below For More Information On Cash Reward Cards - Finance Articles:

Can the average customer really earn cash rewards just for making purchases?

Many People Prefer Fixed Rate Loans Because They Are Predictable

Category: Finance.

There are many available RV finance calculators available online.

Using an online calculator will help you know the optimal purchase prices, and monthly payment, interest rate for your budget. Get RV Financing links to one that you can reach through their website at www. getrvfinancing. com. First, enter in all the fields, and then change only one of them to see how it affects the others. In order to help you better understand what you are calculating, here are the relative loan terms you need to know. This is a good step to do before talking to a lender so that you can convey to them your desired rates and loan terms, and then they can work with you based on that information. Interest rate: The interest rate of your loan determines monthly payment and loan duration. As your are researching different loans, they will vary in interest and monthly payment.

Lower interest rates are awarded to good credit buyers while higher interest rates are given to those who have poor credit. You will be able to compare them equally with an RV financing calculator so that you are aware of their differences. Fixed interest rates are those that stay the same through out the loan. Also, you must know if the interest is fixed or variable. Variable interest rates change during the loan and, change your monthly, therefore payment. Length of term: This is the length of time you will be making payments on the RV. Many people prefer fixed rate loans because they are predictable.

Lenders have packages that range from 10, 15, and 20 years of financing, assuming you make all your payments in full. Money Up Front: The down payment is determined by the lender s requirements. Ask your lender if there are pre- payment penalties for paying off the loan early, because some lenders charge you for paying extra on the loan. If you have a down payment, be sure to subtract that from the purchase price of the RV on the RV finance calculator. Lower down payments lengthen the loan term and increase your monthly payments, but they are beneficial for buyers who don t have a large cash pile. Higher down payments are better because they lower your monthly payments shorten the length of the loan, and can even lower your interest rate depending on the lender.

Purchase Price is the last category. Prices vary between Class A and Class C RV s as well as amenities and location of the RV. This varies depending on your taste, and desires, lifestyle. This the most flexible of all loan terms because it solely depends on what you choose.

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If You Said Yes, You Really Don, Chances Are T - Karina Tse's Finance blog:

By Jessica Gables. www. emerchantpay. com. Good for you, but do you know where to start?

There Are Banks That Will Customize Business Credit Cards To Fit The Pattern Of Your Cash Flows - Finance Articles:

It may seem contradictory, but the use of business credit cards to pay everyday purchases of your business may actually help conserve cash or regulate cash outflows. The other benefit from good cash flow management is that it helps your maintain a surplus cash fund for your necessary capital investments for the future.

The Government Keeps Amending The Tax And Home Loans Law - Finance Blog:

Home Loans and their high rate of interest dig a hole in the pocket of homeowners. Maintaining a comfortable finance graph without going into further debt is a concern that worries all prospective homeowners making them wary of Home Loans.

It Goes Without Saying That We Ve Been Trading A Pretty Tough Market

Category: Finance.

It goes without saying that we ve been trading a pretty tough market.

Many of those trading today have been trading fewer than 5 years and have no prior experience with this kind of market. I believe as well that is really a matter of perspective. Additionally, their relative lack of experience has them running for the" Tums" at almost every negative comment out of New York or Washington! You have to stay on top of the market at all times if you expect to be a successful trader. Well, it is precisely, justified or not this kind of market which drives home an important tenet of trading. I have developed a pretty simple method for doing that.

These various strategies derive their reputations from the characteristic movement responsible for profit when the strategy is traded successfully. Let s take it as a given that there are bearish strategies and bullish strategies. For example, buying stock is bullish while selling calls is bearish. If you sell calls against that stock, you benefit most when the stock declines in value. If you buy stock and it goes up, you re profitable. Let s list a few more for clarity.

Buying calls, call debit and, selling puts put credit spreads. Bullish strategies include. Bearish strategies include. The bullish or bearish character of each of these comes from the fact that profit is derived from stock price movement. Buying puts, etc, selling calls. Bullish strategies work best when the underlying stock moves up.

Admittedly an oversimplification, we ll accept this as true for the purpose of explanation. Conversely, bearish strategies are most profitable when the underlying stock decreases in value. As you know, I meet with other traders of varying experience levels everyday in my online trading lab. Lately, these have been pretty bearish in nature. "Lately" meaning the past 2 or 3 years! We work our way through each trading day using strategies which are working well for us. While I have profited from stock going up, my PREDOMINANT strategies have been bearish.

I ve recently noticed that our strategies have been becoming more difficult to trade through. Shorting stock being among my favorites! I learned many years ago that one of the most reliable signs for me that we have a coming change in overall market direction is when my current trades begin to generate less and less profit! I also learned that a great way to give yourself a heads up on this is to always have some paper trades going. That has to assume a consistently high level of strategy execution and adherence to trading rules, of course. That is, if you are REALLY trading to the down side, have some paper trades to the upside going as well. If you see your REAL trades beginning to turn against you while your paper trades are becoming more and more profitable, the be ready for a coming change in the broader markets!

Pay attention to the trade results for BOTH groups. Arguably a crude measure of market sentiment, these paper trades can provide you with an amazingly accurate forecast of conditions to come. First, be sure that your paper trades are not being affected by temporary, passing influences having little to do with the broader market. There are some things to keep in mind however. For example, avoid paper trading cyclical stocks which are entering( or exiting) those times when their price might be naturally or normally affected. Likewise, trading airline stocks after an oil price hike would not be a fundamentally sound basis for predicting a falling market. Trading a retail stock between Thanksgiving and Christmas would probably NOT give you an accurate indication of an improving market.

Second, keep your paper trades SIMPLE! The best indicator trade( as I call them) is the most simple strategy I can use. Remember, you are here for the MONEY, not the trade. If I m trading in a bearish market and want to be on the alert for improving conditions, I ll simply BUY stock( on paper, of course) . When trading a bull market, I ll short stock on paper to stay ahead of the bears. The fewer components to the strategy, the easier it is to interpret the results! Finally, be sure to use indicator stock having a broad base of support.

WalMart is not good to use during periods of anticipated peak buying. The Dow Industrials work well for me, keeping in mind that even in the DJIA, there are stocks to avoid. Additionally, companies facing unusual conditions. It s really a matter of common sense! Lawsuits, acquisitions( buying or selling) , etc would be good to avoid. Try this and see how it works for you.

Happy Hunting! ! In any event be sure to do SOMETHING to stay on top of the market! Bob Eldridge

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In The Case Of Tenants, They May Have Any Or All Of The Following: Unsecured Loans, Store Cards Or, Credit Cards Catalogue Credit - Patrice Bogardus about Finance:

Finance can be very confusing sometimes.

Debt Consolidation Doesn T Have To Be A Bad Thing - Guadalupe Dowe's Finance blog:

Debt consolidation is what people do when their bills become more than they can manage.

Still Businesses Run Solely On The EBay Market - Finance Articles:

Of all the online business opportunities around let me high light some of them.

Why Are Payday Loans Popular

Category: Finance.

Payday Loans, often referred to as cash advance loans, are amounts lent by specialized lenders to borrowers until the next pay day. The cost of carrying payday loans is very high as the risk of default is high, since generally borrowers who find themselves in a very difficult financial situation avail of such loans.

Typically, payday loans are extended for amounts that are less than$ 1, 00The loan is extended to the borrower against the personal check of the borrower that is placed with the lender until the next pay day. Why are Payday loans popular? The personal check that you make payable to the lender acts as security. � Approval is quick. They are popular for a number of reasons such as: � Credit checks are not required. If all the necessary documents are submitted, your loan application maybe approved in minutes. � The paperwork involved is simple. The check submitted as security is encashed on the next payday by the lender.

Generally one or two documents would suffice which explains the loan process and your obligations. � The repayment process is without hassles. You could extend the loan to subsequent paydays for a fee. Payday loans are particularly appropriate for emergency situations provided the amount required is small and one is willing to bear the high cost of the loan. However this is very expensive. � Easy availability. Drawbacks of payday loans: � Such loans are prohibitively expensive. These fees are for a period of 14 days. � Many borrowers, within a short time, find themselves in a debt trap.

Lender fees can range from$ 15 to$ 25 per$ 100 borrowed. With each extension of the loan, the fees in total increase such that at the end of two, three or four extensions they equal the loan amount. � Collection of outstanding loans is harsh. Considering the fact that this business is a high risk lending game, lenders wield the stick harshly on the slightest default.

We Believe That Capstone Industries Is A Promising Source For Product. " About SmallCapVoice

Category: Finance.

Howard Ullman, Chairman of China Direct Trading Corporation( OTCBB: CHDO) is featured in an audio interview at SmallCapVoice. com.

Ullman provides his personal insight into the factors that led to the Company s recent changes, and much more, new business opportunities. Mr. China Direct is a holding company engaged through its operating subsidiaries in the following business lines: Capstone Industries, Inc. is engaged in product development, distribution, manufacturing, logistics and product placement to importers, and mass retail, theme parks of souvenirs, and consumer products, gifts. Capstone Industries recently announced that its subsidiary is working with Evergreen Sales Group, a manufacturers representative in business for over 10 years and covering Washington, Idaho and Alaska, Oregon. And Overseas Building Supply( OBS) is engaged in distribution of building materials including but not limited to roof tiles, and insulation materials, interior doors. Evergreen covers the automotive, and house wares, hardware channels, serving some of the country s top accounts, such as Fred Meyer, Amazon. com, and Joe, BiMart s.

Patrick Albin, the Principal of Evergreen Sales Group, said, "Although our agency, is firmly established, Evergreen Sales Group working with our current general merchandise blue chip manufacturers, we are always keeping our eyes out for promising sources of product. Some of the manufacturers Evergreen represents are: Meguiar s, Littelfuse, Gorilla Glue, Gunk, and Wells Lamont. We believe that Capstone Industries is a promising source for product. " About SmallCapVoice. SmallCapVoice utilizes its stock newsletter to feature its daily stock picks, as well as, audio interviews its client s financial news releases. SmallCapVoice is a recognized corporate investor relations firm, known for its, with clients nationwide ability to help emerging growth companies build a following among retail and institutional investors. SmallCapVoice also offers individual investors with all the tools they need to make informed decisions about the stocks they are interested in.

To get small cap and OTC stock quotes, and much more, company news please visit SmallCapVoice. Tools like our stock charts, and our investor, stock alerts fact sheets can assist with investing in stocks that are traded on the OTC BB and Pink Sheets. Don t forget to sign up for our free newsletter. We will never share your email address and we use Constant Contact, the industry standard for ethical email distribution. Our newsletter comes out once a day in the morning and features great small cap stock news, investor fact sheets, audio interviews on quality small cap stocks and more. This provider makes it just as easy to opt out as it is to opt in guaranteed!

Make A Plan- A Budget Is A Money Plan

The" B" word sends a shudder down the spine of many people.

That it is somehow locked up in this budget and cannot be used for anything else. It conjures up fears of never being able to do anything with their money. That in fact is not the case. And more importantly to give you a plan that tells your money what it is supposed to be doing, whether that's paying bills, going into savings or retirement accounts, or to buy groceries. A household budget is simply a way to see where all your money is going. Every successful business or person has a money plan.

With a budget you can set and achieve your financial goals. This is what a budget is, a plan for your money, telling it what to do instead of it telling you what to do. You can also get a better view of what your money can do for you now and in the future. It will also give you a good record of your monthly expenses based on each month's expenditures. With a household budget you can create a spending and savings plan that puts aside a certain amount of money each month for known and unexpected expenses. The first thing you need to do when setting up a budget is figure out what your monthly income is.

If you work on commissions or are self employed this may be more of an estimate. If you have a salaried job this is easy because it is a set amount each pay period. Write this number down at the top of your budget sheet. Start writing down all your monthly expenses and include even the smallest of expenses. Now comes the fun part. There are certain fixed expenses such as mortgage, insurance that you, car payments need to make every month.

If you start by subtracting your fixed expenses from your income what you are left with needs to be budgeted to pay for those expenses that seem to change from month to month. You will also need to track those expenses that are more fluid, gasoline, such as groceries, clothing, and entertainment. Once you are done allocating money to all your expenses what you are left with is either a positive or negative cash flow. This is very helpful if you are living pay check to pay check because chances are you can find some areas that you can easily cut back on or do without to leave you with extra cash at the end of every month. The nice thing about a budget is you can quickly scan what you have written down and see exactly where the money is going. Here are four quick tips to help get your budget on track. Most people work for their money instead of having their money work for them.

Learn money management- Successfully dealing with money is 80% behavior. Make a plan- A budget is a money plan. In fact most every activity in life involves some sort of plan. Most people would never dream of building a house without a plan. But our most important asset, is left plan, our money free and when we run out or are weighed down with debt we don' t know why. Needs are basic things like a home with a roof, clothes, groceries( in moderation) , transportation to get to work.

Needs and Want- Know the difference. You don' t need a$ 400 plus car payment to get to work or a pair of$ 100 designer jeans. Be a little frugal- This doesn' t mean live in a cave. You may want them but you don' t need them. You can still have fun but make sure it fits into you budget. You will have to be patient with the process because chances are it will not work the first 2 to 3 months you do it. Creating a household budget is the first step to getting your finances under control.

But remain diligent and around the third month you will begin to see patterns that will help you refine your budget into a financial plan that will set you on the right path.