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Finance - Money, Money
Finance is a big word for some of us. It's a little scary. Maybe you immediately go to thinking about "high finance." That's even scarier. But what is the field of finance really about? Money. Okay, so money can be a scary word, too, but it's a little more manageable because we use it more often. In fact, money management is what finance is all about. It can also mean raising the money for something or lending money to someone on credit. "Finance your dreams," they say. You read about people in ordinary jobs, with ordinary lives, who manage to save and invest their money so they can do the things they really love. There's a whole book about that. Have you read "The Millionaire Next Door?" It's a good book and it does give us ordinary people some inspiration about going for our dreams. You don't have to become a millionaire, though to finance some of those dreams. Think about it. What is it you'd really like to have money for? Do you want to open a coffee shop? Self-publish your own book? Backpack in Egypt? Make jewelry and sell it at fairs? Paint? Whatever your dream is, it's do-able. Do the math. First you want to know about how much it's going to cost to finance this dream of yours. That's going to take a little research. Get on the web and look for information. Call people who have already done what you want to do and ask them out to lunch. Most of them will be happy and proud to tell you how they did it. You might even make a new friend. You're going to be surprised in many ways. First, it may not cost as much as you think to get started. Second, once you start thinking in new directions, new ideas on how to finance this dream will show up. Third, most of us could save quite a lot by putting a little bit of money aside from every paycheck. Even 5 percent adds up to a lot in just a year. So what are you waiting for? An engraved invitation? Here it is "You are cordially invited to have fun financing your dreams!" Now get started! About this author -Julian Mettaroy is an investment counselor who specializes in helping normal folks finance their dreams. You can read more articles about finance at Diogo Finance MORE RESOURCES:
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GOOGLE SEARCH Minimum Credit Card Payments to Rise For years, major credit card companies have allowed cardholders to make minimum payments of 2% of the outstanding balances on their credit cards. Having customers pay the minimum doesn't reduce the balance by very much, but when the 18-30% interest rates that many credit cards charge is applied, the result is a profitable ones for the banks that issue credit cards. Credit Card Entrapment - The Secrets are Out Have you ever wondered why your credit card bill is so high and you can't seem to pay off the balance? Well you are not alone in this. You should be aware of a couple of trick that they use and you probably don't even pay attention to it, but you definitely pay for it and BIG!The next time you open up your credit card statement, take a real close look to all the "junk" inside particularly the very hard to read insert Call "changes to you credit card agreement". Annual Credit Report and Free Annual Credit Report Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports. Would the idea of a free annual credit report be good news? Consumers are thrilled with the new federal mandate that demands the three major national credit bureaus offer a free annual credit report to anyone requesting copies of their personal credit reports. Identity Theft Exploding: Here's How You Can Avoid Becoming A Victim Americans are more concerned about identity theft than unemployment or corporate fraud, according to a survey of 2,000 people conducted by Star Systems.Nine out of ten Americans demand new federal legislation, while two-thirds say the financial services industry needs to do a better job of verifying the identity of customers who open bank accounts (66 percent) and credit card accounts (72 percent). Student Credit Cards 101 If you're a college student, you probably already have a credit card. If not, you may have plans to get one or more soon. Useful Tips on Borrowing Money Here are some useful tips on borrowing money. Borrowing money is one of the most common sources of funding for a small business, but obtaining a loan isn't always easy. How To Get a Low Interest Credit Card Consumers often have the first credit card that they ever applied for, never really analizing how the interest rate affects their payments, but many other options exist and can help consumers decrease their payments and achieve financial stability.With interest rates on some credit cards rising to over 23%, even low balance credit card debt can be crippling. Repairing Your Credit Score and Clearing Derogatory Marks on Your Credit Report Raising your credit score can be a fairly simple and straightforward process unless you have derogatory marks that need to be disputed (which will be explained below).The reasons for bad credit can be as follows, high balances, bankruptcies, late payments, and many others. Credit Reports - Why Your Credit Score is Important If you have never heard of a FICO score before, you should become familiar with the term. Named for the firm that invented it, Fair Isaac Corp. Bad Credit Loans For Those Who Seek Alternatives for New or Old Car You can still save money on a Bad Credit Loan by comparing rates, checking out multiple policies, and negotiating with lenders.Getting a Bad Credit Loan doesn't have to be like basic training. 10 Step Credit Repair Guide The process of clearing credit can be laborious and frustrating, but your efforts will be paid for in better financing. Your rights are protected by laws, but you need to take reasonable actions toward your goal of clearing credit discrepancies. How To Protect Yourself Against Credit Card Fraud In the high tech world of today, credit card fraud is an ever increasing problem.By 2005 it is estimated that the online payment industry will capture $12. Beginners Guide to Credit I remember back when I was 18 and completely oblivious to the concept of credit. It seems like eons ago! If only I had known then what I know now about credit. The Three Largest Factors In Your Interest Rate There are three major factors that affect how much you pay for a loan. Understanding these factors can save you time, money and frustration. Are You The Only One Using Your Name? Identity theft has become an epidemic. Millions and millions of purses and wallets are stolen everyday and many of them are not just taken for the money inside. Online, Phone, U.S. Mail or In-Person: Where is Your Credit Card and Personal Identify Safest? Identity theft is the fastest growing crime according to the Federal Trade Commission (FTC). It occurs when someone takes a piece of your personal information and uses it without your knowledge to commit fraud or theft. The Hitchhiker's Guide To Insanity A new sickness is plaguing the UK called Denial. Denial has resulted in a national personal debt of almost £1. What Is A Credit Report? Even if you have heard of a credit report, you may not know exactly what it is. If so, this credit report article is for you. Free Credit Report - Watch Out for Scams Many people may still not be aware of an amendment to the Fair Credit Reporting Act (FCRA) that Congress passed last year. This amendment allows U. Good Credit Is Not A Good Reason To Borrow More Money After Youve Achieved Financial Freedom The most important thing for you to remember is that the only way you'll ever be able to achieve financial freedom is if you are able to avoid getting back into debt once you've paid off everything that you owe. It seems like a lot of the different websites that give advice regarding bad credit are not looking at this the right way. |
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