Friday, November 16, 2007

eBay and eBay Auctions

Let us say you have an item you don’t want anymore. For whatever reason it may be, you don’t want it, but see that it would be too much of a waste to just throw it away. Then you hear of eBay and eBay auctions.

eBay and eBay Auctions have somewhat become terms which the internet world has become quite fond of with today. As popular as other online entities like Youtube, eBay and eBay auctions are basically online transactions which internet users take to their advantage as a buying and selling point in the online jungle. eBay and eBay auctions are so popular that it has been featured in many movies and TV shows, even having a “Stuff We Found on eBay” segment in the Tonight Show with Jay Leno, which features the many crazy items featured in eBay auctions.

On eBay and eBay Auctions

eBay Auctions stand to be the prime service catered by eBay, which is powered, operated and managed by eBay Incorporated, an American Internet Based company. The prime function of eBay, aside from eBay auctions, would also include online shopping services, where businesses, product makers and private persons could sell and buy goods on an international aspect.

As auctions, eBay auctions operate no different from the more “solid based” of auctions. There is an opening bid, which eBay auction interested parties would put in their bids. Bid winners would then have the opportunity of acquiring whatever product in on an eBay auction catalogue. This is all done on an online cipher, where everything happens in the convenience of one’s internet connected home.

Founded on September 3, 1995 in San Jose, California, eBay was sired through the efforts of computer programmer Pierre Omidyar, who started eBay as AuctionWeb. True to the more eccentric of items sold in eBay Auctions, the very first item sold in an eBay auction was that of a broken laser pointer. The winning bidder who bought the eBay auction item was a collector of broken laser pointers, and got the eBay auction item for $14.83.

Today, practical and rather useless junk could be found in eBay auctions. From functional slightly used consumer electronic items like personal digital assistants or cellular phones, to the more, rather, useless items like the box of a Playstation 3, or tattered old clothing worn by the cousin of John Lennon and such, could be encountered in eBay auctions.

If you want to sell something off, putting it on an eBay auction wouldn’t be such a bad idea.

Tuesday, August 14, 2007

Pay Check Loan from Paycheck

Consumer: Those who need access to instant cash

The purpose of a Paycheck loan is to provide those who need it with instant cash for a short period of time.

Pros: It is a very simply process to apply for a Pay Check Loan. You simply fill out the short application online and submit it. You will have a "yes" or "no" answer in a half hour. Most people are approved. You must be 18 years old or older, you must have a regular job (not through a temp agency) and you must have an active bank account. When you are approved for a loan, the money is immediately transferred to your checking account and will be available for your use the following business day.

Pay Check Loans has several flexible repayment plans that you can choose from. A Pay Check Loan can help you get through an emergency or help you fund an unexpected expense with very little or no hassle. You will not have to send or receive a fax and there is no credit check.

Cons: Pay Check Loans are not intended to be financial solutions and should not be used as such. They are a temporary "fix" for a temporary problem.

Guarantee: There is no guarantee offered by Paycheck Today and there is no guarantee that would apply.

Value for money: Access to immediate cash when one is in a financial bind would be very valuable to them.


Tuesday, July 24, 2007

The Day Trade Forex System

Consumer: Day Traders

The purpose of The Day Trade Forex System is to inform and instruct readers as to the most effective ways of trading forex.

Pros: The Day Trade Forex System will show you how to start and operate a forex trading business even if you have no prior experience or special skills. The Day Trade Forex System will also show you how to stop your losses and manage your risk. You will be able to trade currencies on a part-time or a full-time basis once you learn The Day Trade Forex System.

You will learn how and when to trade -- the exact right time to get in and get out that will produce maximum profits for you. The Day Trade Forex System will teach you how to spot trading opportunities by looking at chart patterns on your screen. The charting package is free, and the trading platform will allow you to practice trading with "virtual" money until you are completely ready to trade on a "real" account.

Cons: There really aren’t any cons discernible in The Day Trade Forex System training course. It is an excellent product and one that day traders will be very interested in.

Guarantee: There is a 60-day guarantee of satisfaction. If within 60 days of purchase the customer is dissatisfied his money will be refunded without a hassle.

Value for money: The Day Trade Forex System is actually a very good value. There is a lot of very useful and practical information offered.

Thursday, July 05, 2007

Student Loans from Loan

Consumer: College students or private school students and their parents, grandparents or guardians.

The purpose of a student loan is to pay the school for an education as required.

Pros: Higher education, even at State colleges now days, costs the proverbial arm and leg. It is rare that a student or a family can pay the tuition, buy the books, and pay for room and board without the need of a loan even if the student has scholarships that will help defray some of the costs. Even full scholarships do not cover all of the costs of a college education.

Sometimes families save from the time a child is born to be able to afford his college education but the cost of a college education keeps going up and far exceeds just the usual rate of inflation for everything else so the savings rarely cover the cost.

At Loan Web student loans can be applied for as well as be consolidated into one loan and one lower monthly payment.

Cons: There are no particular cons associated with a student loaned obtained through Loan Web, but be sure to compare interest rates from several lenders.

Guarantee: There is no guarantee that a student will in fact obtain a loan after he or she makes application through Loan Web.

Value for money: A 6% interest rate on a student loan is a good value and since there is no penalty for early payment, if a student or parent finds a cheaper loan rate, they can take it.


Friday, June 22, 2007

Auto or Motorcycle Loan from Lending

Auto or Motorcycle Loan from Lending - Consumer: Car buyers or motorcycle buyers.

The purpose of an auto loan through Lending Tree is to find the lowest possible rate available for the person applying for the loan and the state in which they live.

Pros: Most of us need wheels. We need transportation in order to get to our jobs, run our errands and to use for pleasure. The problem is that lending institutions know that we have to have a car or a motorcycle so they really stick it to us on the lending rates for car or motorcycle purchases.

Lending Tree can help. When you fill out an application for an automobile or motorcycle loan on the Lending Tree Website, Lending Tree will provide you with four quotes for your loan. You can choose the offer with the lowest rate.

Cons: There are no particular cons associated with applying for an auto loan through Lending Tree. Actually a borrower can get the lowest possible rate in most cases.

Guarantee: Lending Tree does not, of course, offer a guarantee as such. What they do offer is a guarantee that they can find the lowest possible rate or they will pay you $500. This is a limited time guarantee but it does cover all kinds of loans that are made by Lending Tree.

Value for money: There is no way to access the value of this product. If Lending Tree can help to secure a lower rate than would otherwise have been obtained by a borrower, then the loan will be of good value.


Tuesday, June 12, 2007

"Loan Calc"

Consumer: Financial software buyers

The purpose of Loan Calc is to help consumers determine what the payments will be for repaying loans and what interest is going to cost.

Pros: Have you ever applied for a loan or a mortgage and sat there with baited breath while the loan officer punched numbers in and mysteriously determined what your monthly payments will be? We’ve all been there. It will be much a much less stressful situation for you if you apply for a loan or mortgage already knowing what the monthly payment total will be and that you really can afford it.

The Loan Calc can do just that for you. According to the designers of Loan Calc, “Loan Calc is an easy-to-use tool intended to calculate loans and mortgages repayments in a very simple way. Loan Calc calculates repayments amount, monthly and total interest, total repayments and generates a full repayment list from a start date Furthermore Loan Calc allows you to save the repayment list to a text file or an Excel sheet.”

Cons: The information provided by Loan Calc actually can be found free on the Internet. But the software does make determining loan payments and interest costs easier.

Guarantee: There is a 30-day warranty that reads in part, “MAX Programming warrants for a period of thirty (30) days from your date of purchase. Any implied warranties on the Software are limited to 30 days. Some countries do not allow limitations on duration of an implied warranty, so the above limitation may not apply to you.” Additionally on the download page you can find this statement, “All Maxprog products are downloadable from this web site and are not only "try before buy" but also carry an unconditional money back guarantee if not satisfied within 30 days!

Value for money: The Loan Calc is a good value and does deliver what it says it will deliver.


Thursday, June 07, 2007

Credit Repair Software form Your Credit

Consumer: Those who have credit problems

The purpose of the Credit Repair Software is to inform and instruct users on how to repair their own credit.

Pros: With the Credit Repair Software you can organize, track, analyze, and dispute your credit record. The software works with both online and offline monitoring. The Credit Repair Software can help you prevent identity theft as well as correct credit errors. You will be able to chart TRW, Equifax and Experian right from your own computer. The Credit Repair Software can even generate dispute letters for you. Not only that, but your whole family can use the software because it is not limited to only one user. There really isn’t anything like this three-step plan on the market today.

The Credit Repair Software is being offered at a very deep discount for only a short period of time. It is worth well more than the price that is being asked for it. You can try the limited version free of charge for 30 days before you decide to purchase it, and you will decide to purchase it when you see what it can do for you.

Cons: There are no apparent cons associated with the Your Credit Win software and with the 30-day free trial of the limited edition there really doesn’t seem to be any problems at all.

Guarantee: There is a 60-day guarantee of satisfaction offered as well as a 30-day free trial of the limited version.

Value for money: The Credit Repair Software by Your Credit is actually an excellent value.


"All the Wealth You Want" from

Consumer: Those who would like to retire wealthy.

The purpose of the All the Wealth You Want is to inform and instruct readers not only how to get out of debt but how to become wealthy as well.

Pros: According to Jim Donovan, the author of All the Wealth You Want, about 95% of people are dead broke when they retire and have to rely on friends and family to supplement the pitiful little Social Security benefits that they are supposed to be able to live on. It doesn’t have to be like that.

Mr. Donovan says, “I have no intention of being in that majority, scrimping and scratching, after working all my life. No way! I've spent years learning about money, most of it the hard way. I've learned how people make it, lose it and how and why some people have been able to build incredible fortunes. It all comes down to understanding a number of ideas and techniques.” Mr. Donovan shares these ideas and techniques in his All the Wealth You Want ebook.

Cons: There are not any discernible cons for the All the Wealth You Want program. It really does contain excellent information that many will find to be very useful. (There is possibly the world’s longest sales letter on the site.)

Guarantee: There is a 365-day money back guarantee of satisfaction.

Value for money: The All the Wealth You Want program is a very good value, and with the 12 added bonuses it becomes an excellent value.

Wednesday, June 06, 2007

The Quantum Clearing program - A review

The Quantum Clearing program - A review

What is killing your abundance?

It's not your fault.

That's just what happens. You come into this life
brimming with desires and dreams only to have
them fade slowly and painfully into the sunset.

All because of garbage. Some of it is yours and
some of it is from other people.

Either way you end up carrying all that
desire-killing junk around with you everyday.

Yep, your garbage is probably choking all the
possibility out of your desires every single day.

Oh, and it could be why you're not in the best of

Clear all your old garbage and open yourself to
abundance with the new Quantum Clearing program...

I don't see many programs out there worth the
value they charge for, but this program worth
hundreds times more than the small price they

Get it, and really listen to what these four
great masters say! They are thinking and speaking
from a much higher level of consciousness. You
will know what I mean when you listen to them.

Open a clear path for the universe. Start getting
what you want in life, today!

Monday, June 04, 2007

Never Work Again TeleClass from Peak Potential Training

Today I got this email:

Tonight's the night! The one-time-only Never Work Again TeleClass is happening at 7 pm Eastern--do not miss this class!

There were 1500 lines reserved and they filled up yesterday morning. We were able to reserve 500 more lines today and they will fill up very fast.

Register here for the Never Work Again TeleClass!

This 1 hour TeleClass will teach you where to begin:

Building multiple streams of passive income.
Creating abundance and freedom in your life.
Moving from "active" to "passive" income sources.
Tonight's TeleClass is going to pull from the most valuable pieces of information which were uncovered at last month's 4-day Never Work Again course--held in Los Angeles, CA.

Never Work Again was one Peak Potentials most successful courses ever; here is what a few of the students had to say:

"AWESOME! So many useful things were taught which can be implemented right away, without buying any additional materials. A must for everyone who desires financial freedom and wealth."
-- Anna Bronstein, Entrepreneur/Web Developer

"NWA opened me up to a whole new world. The concepts and vehicles that were taught made the theory of financial freedom a tangible reality. Thank you Harv for over delivering once again."
--Terry Banks

"I always knew that what we all need to know about creating wealth was never taught in school. Thank you for opening so many doors of possibility for me."
--Marisa Ferrera, Educator

Everyone who attended Never Work Again is now on the fast track to financial freedom and Peak Potentials is grateful for the opportunity to offer this TeleClass to those of you who were unable to be there.

Best of all, as a valued member of the Peak Potentials Family, there is no charge for the TeleClass.

The Never Work Again TeleClass will be one hour starting at 7 pm Eastern time tonight, register by clicking the link below and block this hour off in your calendar... do not let anything get in your way and make sure you are on this call.

We look forward to meeting you on the call,

The Peak Potentials Team

This will sure be interesting!

Friday, May 18, 2007

More Wealth from Forex Short Term Trading from Forex

More Wealth from Forex Short Term Trading from Forex - Consumer: Forex Traders

The purpose of More Wealth from Forex Short Term Trading is to inform and instruct forex traders how to make more money in less time.

Pros: According to the authors of Wealth from Forex Short Term Trading, “You, the forex trader know that the currency markets don’t trend all the time. They consolidate sideways or reverse before taking off again. This makes catching trends difficult. If you’re in this group of frustrated disappointed traders, you’ve literally flushed thousands of dollars down the toilet. We have the solution you need. Why suffer with unproductive results? Our entry setups are easy to pick. We’re using well known indicators which are available in most free or fee based forex charts.”

The idea behind More Wealth from Forex Short Term Trading is to teach how to make more money in less time by identifying trends like the big boys. The extra added free bonus is “The Basics of Forex Trading” which will be a big help to beginning forex traders.

Cons: No guarantee of success is offered. The disclaimer reads in part, “No representation is being made that any account will or is likely to achieve profits or losses similar to those discussed on this website.”

Guarantee: There is a guarantee of satisfaction offered. The guarantee reads in part, “We are so confident in our Forex Strategies that we standby them with an 8 week money back guarantee. Paper trade these strategies and see the results for yourself. If you are not honestly convinced that these forex trading strategies make you money, we will refund you purchase price immediately.”

Value for money: More Wealth from Forex Short Term Trading appears to a very good value and with the added bonuses it becomes and even better value.

Sunday, May 13, 2007

Forex Profits from Fast Forex

Of course the consumers of the Forex Profits from Fast Forex are: Forex Traders....

The purpose of Forex Profits is to instruct and inform readers in an little as one hour how to profit in forex trading.

Pros: Forex Profits was written by Dr. Jeffrey Wilde. Dr. Wilde has been forex trading since 1990 and has invested tens of thousands of dollars to develop the Forex Profits trading system. Dr. Wilde says, "Give Me Just 1 Hour And I'll Hand To You On A Silver Platter My Zero-Guess Work Blueprint For Anticipating Explosive Forex Trades That Can Potentially Lead To Gains Of As Much As 50% In Less Than 24 Hours!" That’s some promise!

One happy customer wrote, "Dear Jeff - Thanks again for a great program in Forex Profits. I've been trading full time for 4 years and I can say without hesitation that this is one of the best programs I've ever come across. In a market place full of hype and false promises, your program delivers everything you say and more.”

Cons: There is no guarantee of success. The disclaimer reads in part, “Trading performance displayed herein is hypothetical. Hypothetical performance results have many inherent limitations, some of which are described below. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown.”

Guarantee: There is an eight week guarantee of satisfaction that reads in part, “In the unlikely event that you are not profitable then send me your trades.  I will review them to make sure you were using the program properly.  If you aren't then I will be happy to show you how to get back on track.  If the system still wasn't profitable then like said I don't deserve to keep your money and I will issue you a prompt refund.”

Value for money: Forex Profits appears to be a very good value.

Forex Trading Strategy

The purpose of Forex Trading Strategy is to inform and instruct readers in how to make money with aggressive forex trading techniques.

Pros: The development team of Forex Trading Strategy says, “The typical beginner trader moves with the "herd". He sees a rally, doesn't want to be left out, and enters the market at point A. But then winning traders, who were in earlier, start to cash in on their profits and the rally loses steam. So the beginner's position falls. His money is dissolving before his eyes! Either he panics and gets out at point B, when he can't bear the pain any more. Or, if he somehow manages to stay in long enough to see the next rally, he leaves at point C, relieved to recover at least some of his losses.”

The Forex Trading Strategy addresses that ‘herd’ mentality and helps forex traders find the way and the strategies to be among those early investors thus making the big profits rather than just cutting their losses.

Cons: There aren’t any guarantees offered that the system actually works. The disclaimer reads in part, “The content, information, techniques, methods and data contained in "Forex Trading Strategy" and any part of this web site, are for informational purposes only and is provided without warranty of any kind.”

Guarantee: The guarantee posted on the website reads in part, “Forex Trading Strategy"™ comes with our no-questions-asked, 8-week, 100 percent money-back guarantee. If for any reason whatever you decide our strategy is not for you just let us know. We'll refund your payment! Every penny of it!”

Value for money: Forex Trading Strategy appears to be a very good value.

Price: $97.00

Consumer: Forex Traders

Saturday, May 12, 2007

The "Credit Secrets Bible" by Credit

The purpose of the Credit Secrets Bible is to inform and instruct readers how to raise their credit scores and repair their credit.

Pros: Those who will be most interested in the Credit Secrets Bible will be those who have or have had credit problems or difficulty in obtaining credit but actually the Credit Secrets Bible is a good read even for those who have very good credit scores and have no problem in obtaining credit when they need it.

The Credit Secrets Bible instructs readers how to get a credit card if they want one, how to get a mortgage if they want one and how to obtain credit for starting a new business if that is their desire. The book tells secrets about finance that many multi-millionaires are unaware of.

The author of the Credit Secrets Bible, Terry Price, says that by working with the Credit Secrets Bible for only an hour and a half you can raise your credit score by as much as 249 points and do it in less than eight week’s time.

Cons: There is a very annoying pop up on the site that is hard to get rid of.The product is good, however.

Guarantee: There is a 60 day guarantee of satisfaction. If a customer is not satisfied, he can get a 100% refund by simply asking.

Value for money: The Credit Secrets Bible is a very good value.

Price: Regular Price $97.75 on sale for $67.75

Consumer: Consumers who use credit cards or credit institutions.

Wednesday, May 09, 2007

The Bankruptcy Mortgage Book from Bankruptcy Mortgage

The Bankruptcy Mortgage Book from Bankruptcy Mortgage - Consumer: Home Buyers

The purpose of the Bankruptcy Mortgage Book is to inform and instruct readers about how to get a mortgage even after they have had to declare bankruptcy and how to rebuild a good credit report.

Pros: The three free gifts that are included with the purchase of Bankruptcy Mortgage Book are at least as valuable and maybe even more valuable that the product itself.

One of the free gifts that are included with a purchase is a free chapter about identity theft and how to avoid it. Identity theft is one of the leading causes that people have to apply for the relief of bankruptcy and this chapter alone is worth as much as the entire book.

Another of the free gifts that is included with the purchase of the Bankruptcy Mortgage Book is $250 rebate if the recommended mortgage company is used.

This book is filled with important and valuable information and there are step-by-step instructions included to restore a good credit rating.

Cons: There are no cons for the Bankruptcy Mortgage Book. It is an excellent product and well worth the low price.

Guarantee: There is a 100% guarantee of satisfaction. If a customer is not happy with the Bankruptcy Mortgage Book, he may return it and get a full refund within 45 days.

Value for money: Considering the value of the information in the Bankruptcy Mortgage Book as well as the guarantee offered and the free gifts, the Bankruptcy Mortgage Book is an excellent value.

Tuesday, May 01, 2007

Free Government Grants and

The purpose of the Government Grant program is to supply information about loans and grants that can be gotten through the government in little known and obscure programs.

Pros: The one-time charge of $34.95 gives a subscriber access to an online Government Grants and directory. There are no additional charges.

There is cash available and millions of dollars go unclaimed and unused each and every year. There is money to start a new business, pay off debts, go to college, buy a house, make home repairs, pay medical bills, or just for personal use.

If you think that you could write the great American novel if you just didn’t have to go to work every day and earn a living, the government might be able to help...but you have to know where to look.

There is money that is furnished by governmental agencies and large corporations that people can get no matter what their credit history is and which they will never be required to repay.

Cons: There are no cons for Government Grants. It is an excellent program that provides real information to those who need it the most.

Guarantee: There is a 100% money back guarantee offered. If an member applies for a grant and is turned down, their money for this product will be refunded in full and all free gifts can be kept at no charge.

Value for money: Excellent! There is money out there that most people don’t even know is available. This information is provided at a very reasonable cost which makes it a terrific value.

Monday, April 23, 2007

Creative Financing - Right Choice For Home Or Land Byers?

Is the eBook on the "Right Choice For Home Or Land Byers"?

The purpose of the Creative Financing Secrets ebook is to instruct and inform those who are seeking financing for home loans or for the purchase of land in creative ways to secure the financing that they need.

Pros: David Leach certainly knows what he’s talking about in his Creative Financing Secrets ebook! He should. He’s been a real estate investor, mortgage consultant and creative financing expert since the late 1980s. That knowledge and experience shines through in his Creative Financing Secrets ebook.

Mr. Leach shows people who have less-than-perfect credit or who are self-employed and unable to furnish earning records that meet most financial institution requirements how to buy that home that they dream of and do it without having to put any money down.

Mr. Leach says that the thing that frustrates him the most is that so many people who can certainly get a mortgage, as proven in his Creative Financing Secrets, are told by bankers and mortgage brokers that the dream is out of their reach.

Cons: There are no apparent cons for the Creative Financing Secrets ebook. It is filled with excellent information and there is a 100% money back guarantee included.

Guarantee: There is a risk-free, 30 day, 100% Money-back guarantee. If the consumer is not completely satisfied with the Creative Financing Secrets ebook, they can return it for a full refund of the purchase price within 30 days.

Value for money: Considering the free gifts that are offered with the Creative Financing Secrets ebook as well as the value of the information in the product, it is an excellent value.

Sunday, April 15, 2007

Affordable Senior Housing - How to find one...

The US Government has a section 202 program implemented by the Department of Housing and Urban Development (HUD), which aims to increase affordable senior housing to individuals aged 65 and above with very low income. If you or a loved one is looking for a retirement home that will fit a tight budget, section 202 housing is your best affordable senior housing option.

Section 202 housing is run by a private, non-profit organization. They get their funds from the HUD and from residents’ fees, which are calculated based on individual income. Aside from affordable senior housing, these facilities offer support services to senior such as housekeeping, transportation, preparing meals, and others.

The website of the Department of Housing and Urban Development has a listing of all section 202 housing facilities across the United States. Simply check the web site to find a home in your area or in the area where you want to reside. When you have your list ready, you can start calling each home or apartment to verify if they are still part of the Section 202 program and if they have a vacancy.

If the answer is yes, your next step is to visit the facility to see if it will suit you. While these homes are not luxurious, one can expect them to have all the basic accommodation, amenities and services to keep seniors comfortable and safe. It is important to take note of the fact that Section 202 housing is very popular and vacancies are hard to come by with the huge demand for affordable senior housing so it is not very wise to be choosy. If you find a vacancy, it is best to grab that rare opportunity because someone else will surely take it.

The truth is, you may have to contact several facilities before you can a vacancy so be prepared to do a lot of calling or visits. In this regard, it is recommended to have a relative or a friend to assist you in your search. Additionally, make sure to have your name added to the waiting list of all facilities without vacancies.

Once you have found a place, you may need to provide the following: a filled out application form from the Section 202 home/apartment; proof of your income such as a pay slip or Social Security statement; pharmacy or medical bills, your doctor’s statement indicating that you are independent; and references of previous landlords. You will need to prepare multiple copies of these documents if you are applying to several facilities.

If you want to learn more about affordable senior housing through the Section 202 program, you may speak with an HUD representative. There are many section 202 housing options in both large and small cities. Start your search as early as possible. Do not wait for your savings to run out. Be patient in your search and you will eventually find an affordable home.

Sunday, April 08, 2007

Student Loans Company

When a college student needs to get a loan they will usually ask for information from their college’s financial office. From here they will be told about any student loans company they feel is of benefit to them. The many different loans companies that you will find are ones like Pell Grant, Stafford Loan, Perkins Loan and FAFSA to name a few.

From these various companies you will be able to receive different information about the loans. By looking at one student loans company at a time you will be able to see the many benefits and disadvantages you may face by applying for a student loan from such a company. As you will be using this student loans company for the entire period of your education at the college or university, it is best to take some time.

Hunt through the various student loans to find ones that will be suited for your education plans and living abilities. You should make enquires about what sort of conditions you will need to fulfill in order to qualify for a loan from a student loans company. Before you agree and sign any documents ask to have some time to consider the implications.

Once you have reached your home look these documents over carefully. You can if you feel more comfortable make a list of the advantages and bonuses you will get from this student loans company. In making this list you will see what these terms really mean to your education.

You should at this point also see about making a list of the disadvantages that are apparent in the student loans company. When you have finished this list try this procedure with the other loan information you have. At the end of this task you will know if you have any questions to ask. Also the many benefits which you will get from the student loans will be displayed.

One of the better routes that you can take to get the student loan that you want is to apply for the FAFSA loan form. This form will allow you to have the eligibility to receive student loans from a variety of loan agencies. The loan companies will look through the documents which have been provided to them by FAFSA. You will then be able to receive the loan confirmation you require.

With so many student loans to choose from you may feel uncertain of which one to take. The best way to select the right student loan company is to look for the various federal student loans that you can apply for. You will then have the way clear to choose which direction your education will go.

How To: College Financing

Going to college is a dream that many parents have for their children. This dream however is an expensive one. You will find that many colleges offer special deals for teenage students to encourage them to choose a particular college. As this is mostly the case when you are considering any type of college you may want to find out what the college financing is.

Knowing the details of the college financing will provide you with the information that you need. While this financing can help you during your college years you should realize that you will need to pay this money back. As this point is one that you will need to face it is best to be clear on all of the details that are contained in the college financing.

There are many different government and private institutions who will be able to furnish this information you require. You should make sure that you have read all of the information that is provided. Then you can talk with your school’s advisor or your family to find out how this college financing will affect you both during your college years and right after.

These matters will need clarification so that you can apply for the college financing your future college may need of you. You will find plenty of documents and applications that deal with this part of college life. To help you in finding your way through this maze the federal government has provided a helpful website. In this website you will find many useful links.

These links will let you see how to apply for the college financing loans. There is information about how to pay back your student loans. The consequences of defaulting are also presented to you in a clear manner. You will be able to find links to a variety of different college financing programs which have the approval of your state and the federal government.

As application procedures for these college financing programs can be some what confusing you will find many helpful links which will provide you with all of the information you require about applying. These sections will provide you with the type of documents you may have to furnish to have your student loan approved.

Since the process of going to university and college is very expensive it is always a good idea to check out the various student aid programs that you can find. The information and advice you receive from these college financing programs will help make your choice of colleges easier to think about.

Friday, April 06, 2007

Ffederal Student Financial Aid Programs

While most parents start saving from the beginning for their children’s college education there are still times when extra help is required. This help can come in different forms, and you will find many college scholarships which will be of great help. There are also times when looking at federal student financial aid is more helpful.

You should start exploring these many avenues when your child first enters high school without waiting until they are almost ready to enter the university. This will only put a strain on you financially until you can apply for and get federal student financial aid, and this might not a financial burden that you’re equipped to carry at that particular time.

This in turn will limit the scope of your where your child can look into, to go to university, which is a greater incentive to check out everything that you can about the federal student financial aid now before it is too late and the changing times catch up with you in the form of astronomical college fees.

Many times you can get the required information from the financial aid office in various universities. Your local library is yet another place where you can find information about federal student financial aid. Since there are different versions of this financial help you should choose at least about several different programs to be on the safe side.

Some of these programs are more popular than others for a variety of reasons, and if this is the case you might find that your chances for getting these particular federal student financial aid programs are very low indeed. But if you don’t apply to them you will never know if you could have gotten through or not so it’s always a good idea to put in your application for as many of these as you need.

Of these programs the federal student financial aid that you can get from the Stafford Student Loans programs is one of the most popular ones, and therefore something which you might want to aspire to, but not hold out any hopes for. There is no reason for despair though. There are more than enough federal student financial aid programs for you to apply to and not all of them are besieged by thousands of students applying for it.

You will find that if you do your homework right, then you can find a federal student financial aid program that is right for you, and that isn’t as highly popular as the Stafford Student Loans programs is. You should still apply for the Stafford Student Loans program, but to make sure that you have a fighting chance, you should also apply to other federal student financial aid programs as well.

Tuesday, April 03, 2007

7 Steps to a Fresh Start After Bankruptcy

When you have more debts than you have assets, bankruptcy is one option to consider in order to give yourself a “fresh start.”

There are actually many types of bankruptcy provided under the law but the most common is Chapter 7, otherwise known as liquidation.

When filing under Chapter 7, all your assets, excluding those that are exempt under the law of your state, are dissolved and liquidated. Usually, the person tasked to do this is the court-appointed official, called a trustee.

The trustee has many responsibilities, including the following:

• Prepare the documents needed for declaration of bankruptcy

• Review the file and check if there are any fraudulent preferences or reviewable transactions made

• Any available assets should be sold by them

• Chair meetings with creditors

• Serve as counsels for the debtors (Hence, you need not hire a bankruptcy lawyer when filing under Chapter 7)

• Recommend whether the person applying for bankruptcy should be discharged or not

All in all, the most important task of the trustee is selling your properties and using the proceeds to pay your creditors. After doing such, the court will then cancel many of your remaining debts, thus affording you a “fresh start” to life.

Here is a step-by-step guide to filing a bankruptcy under Chapter 7:

Step #1: Decide whether you should file for bankruptcy or not.

Filing for bankruptcy is a personal decision, influenced by many factors, such as the amount of serious debts and your ability to meet the original payments or pay the full amount.

For starters, when you are broke, it is never a nice experience getting harassed by creditors for debts incurred. For another, your decision to file should not be made for the sole purpose of putting a stop to your demanding creditors. This is an important point since secured creditors may apply for “relief from stay,” thus allowing them to continue their efforts to repossess or foreclose even though you already filed for bankruptcy.

And finally, there are certain debts that you will not be able to get rid of even after filing for bankruptcy under Chapter 7. These debts that cannot be discharge include the following:

• Taxes and tax liens

• Student loans

• Domestic support obligations (including child support and alimony)

• Luxury goods over $500 purchased within 90 days of filing

• Fines or penalties of government agencies

• Cash advances of more than $750 taken within 70 days of filing

• Fraudulent debts

• Willful or malicious injury to another

• Death or personal injury from the operation of a motor vehicle, aircraft or vessel while intoxicated – i.e., injury due to drunk-driving or driving under the influence

• Condominium or cooperative association fees

• Debts not listed on your schedules (That is why it is important to disclose all dischargeable debts upon filing).

Sunday, March 11, 2007

CLIMBING UP THE CAREER LADDER: Know What to Do in a Business Meeting

The business world has its own set of protocols to guide you to success.

So you have to know what to do in a business meeting.

A business meeting is one of its aspects that can bring out the best and worst in your corporate persona. From product presentations to negotiating accounts receivables, a simple meeting is like being the star in a Broadway play. Every action you make will have an impact into your proposal. Consequently, you will be evaluated and judged all in one sitting. So how do you become a master in this corporate ‘song-and-dance’?

• Be prepared. Not only do you have to know your material inside out but you have to anticipate their reaction to it. Make notes ahead on the possible questions the other side would have. Bring all the possible material that you might need to refer to. On the day of the presentation, take pains in your appearance. Aim to blend with the company’s corporate image – formal for banks, insurance companies and the like; more toned down and casual for advertising firms or construction companies. You wouldn’t want to overshadow the person/s you’ll meet. Same goes for jewelry and make-up for the ladies. Being on time is also a big plus factor.

• Business matters are serious but try and relax before and during the meeting. All the practice and preparations in the world will go down the drain if you are so nervous that you end up stuttering your piece, sweating buckets or worse, getting a memory block. Some people suggest focusing on your surroundings first before the start of the meeting. If you are the one to meet them in their office, complement the décor or mention something trivial as the traffic or the weather. If they are the ones coming to your office, offer coffee or drinks. Do what you can to break the ice and start the conversation on a light footing.

• Keep in mind that in a business meeting, both sides will have different opinions. The trick is to learn to compromise and not too loose your temper. Say you are presenting paperwork detailing the invoices that the other company hasn’t paid yet. However, they are claiming that they are fully paid. Request for some documents and promise them an immediate update once you relay the matter to your own finance people. The same goes for clients who would like preferential treatment or those who are offering an alternative course of payments for delinquent accounts. Offer to meet them halfway. Should the matter be beyond your authority, always promise to refer it to higher management and do not commit anything further than what you are allowed. Your willingness to compromise will earn you a reputation for fair play and that’s definitely good for your career.

Remember, good meetings will produce goodwill. And goodwill will always bring good revenue.

Saturday, March 03, 2007

Becoming a Topnotch Salesman

The industrial revolution is long over. Now, it is the world of business. In this age where there is so much competition in the market, it is very difficult to market a quality product or service. For a company to survive its product does not just need to be the best in the market, it should also be marketed by the best salesmen on the field.

To be successful, you need to adjust your marketing strategies regularly to keep up. However, you do not need to worry. With the following tips, you’ll be armed with everything you need to transform yourself into a top notch salesman. By being a top notch sales man, making a sale will be very easy for you.

First rule: a customer’s “No” is never final. Don’t believe your customers when they say “No” the first time, but don’t argue with them. One of the most effective sales strategies is to find a common ground with the customer that you can agree with.

Unfortunately, most of the time, customers have this natural habit to say No even before you finish your sales pitch. Still, make an effort to be able to complete your spiel. Who knows, something interesting may catch the customer’s ears.

However, if the customer still says No, then leave with a good mood. Don’t forget to wish the customer good luck before you part ways.

After some time, contact the customer again. Don’t contact him too soon or else he’ll probably regard you as one of those nonsense pushy sales persons. Try a different approach this time. You’ll be surprised how many customers will convert their No to a Yes.

Next rule, always strive for originality. Be original in how you deliver your sales pitch. If the customers happen to have encountered exactly the same time of selling, then you might never sell anything to that customer.

Customers do not only prefer genuine items but original and innovative sales techniques as well. Therefore, try to develop fresh marketing ideas which would help you attract more customers and sell more items.

No matter how difficult it may seem at first, you should keep in mind your customer’s benefit instead of your own profit. Your customers are not there to make you richer, but you are there to make their lives better. Focus on providing better deals to a customer. In this way, you’ll soon find yourself bombarded with sales orders without additional effort.

To be able to formulate a good marketing technique, you also have to believe in yourself and the product you are trying to sell. It won’t be to your advantage if you are a negative thinker. Don’t expect failures. Instead, believe that you are already a top notch sales man, and soon, this will naturally show.

Your product is your best sales strategy. If you believe in it, effective marketing words and sentences will automatically just come off your mouth. You won’t have a hard time making other people believe that your product could make their lives better.

Of course, a sense of humor helps a lot in sparking the customer’s interest. You would have to make the customers trust you for them to buy your products. Don’t be angry or too aggressive, or else, your customers would run miles just to get away from you. You would have to practice building rapport with the customers and keeping your emotions controlled.

The rules discussed are basics but a lot of sales people forget them. To be a top notch sales man, these are just what you need. Follow them and you will meet a lot of good customers and good friends along your road to success.

Tuesday, February 27, 2007

Persuade People and Earn Higher

There are four big principles that one must memorize in order to increase his sales by as much as 300% or even more.

Principle # 1 - Call your customer by his name.

People feel more comfortable when you call them by their names. If your target customer is a complete stranger, ask him politely about his name. Pronounce his name correctly and mention it throughout your conversation. This way you can get his attention and make him listen.

Principle # 2 - Make your customer feel the need.

Let me give you a simple demonstration of this principle:

Marveling at a certain employee’s ability to sell toothbrushes, the head of the sales department decided to follow him around one day.

He observed that this particular salesman choose a busy street corner on which to set up an array of toothbrushes and a small bowl of brownish stuff surrounded by chips.

The salesman would then select a likely customer and announce, “Good morning! We’re introducing Nifty Chip Dip — would you like a free sample?”

Tasting the dip, the bystander would invariably spit it out in disgust and howl, “It tastes like s***!”

“It is,” the salesman would inform them calmly. “Care to buy a toothbrush?”

Funny it might seem, but this joke gives an example of how you can make your customer need (not only want) the product you are selling. However, in the actual scene, you cannot use this kind of strategy to close a deal with people; otherwise you will go home badly beaten or end up in jail.

In reality, you must make your sales presentation as clean and as professional as possible. Persuade your customer that the product you are offering is of great importance to him. (Note that I used the word offering instead of selling because offering denotes something, which is more advantageous on the side of the customer than of the seller.)

Principle # 3 - Make it seem that you are helping the customer, not selling something to him.

Is this possible? Yes, of course. It is so simple, please read on:

You: Mr. Farmington, I understand that you are spending too much on your electric bills and I presume that the air-conditioning unit that you are using does not have an energy-saving device. That’s bad, but I can help you make your bill lower by as much as 50%. Here, you can have our Gold energy-saving device. You can save hundreds of dollars every year for only $20 dollars as one time payment.

Mr. Farmington: Oh! That’s great. Please give me one of those. Here is the $20 dollars. Thanks a lot.

Principle # 4 - Never take no for an answer.

Considering the real world however, it is not that easy to close a deal. If things like that happen, remember the fourth principle and be assertive.

Learn to overcome objections and always state your sentences in the positive way. Do not stop talking because when you stop talking, you will lose your customer, please read on:

Mr. Farmington: Thanks for the offer, but I might not need that because I’m planning to buy a new air-conditioning unit, which is exactly the same as my old one and it goes with a free energy-saving device.

You: But Mr. Farmington, if your old air-conditioning unit still works, you can save by just buying an energy-saving device. Compare the price of the new air-conditioning unit with your old one. You will notice that the new unit is a bit more expensive, considering that both the old and the new unit have the same brand and features. Except, of course, the free energy-saving device that goes with the new one. It seems that you will also pay for the energy-saving device.

Mr. Farmington here is our Gold energy-saving device. You’ll be glad you decided to buy that. For just $20 dollars you’ll be able to save hundreds. (In here you are assertive, you assume that the customer has agreed with the sale.)

Mr. Farmington: Ok. I think you are right. I’ll get one of those. Here is the $20.

See? You were able to close the deal. “If you don’t sell, it’s not the product that’s wrong, it’s you.” — Estée Lauder

Tuesday, February 20, 2007

Money Wisdom between Engaged Couples: How to Manage Spending Habits

Money Wisdom between Engaged Couples: How to Manage Spending Habits - Are you one of those engaged couples who do not usually discuss money matters before they get married?

If you cannot discuss financial matters with a loved with before tying the knot, it is almost inevitable that you will have problems related to money while you are married.

It is not the amount of money that you have that matters but what you intend to do with it and how you manage it.

Perhaps an inheritance could set you up for life until you retire. But, nothing is sure in this world and all of that could just as easily be lost with mismanagement. Here are some questions that you should immediately address to help you achieve a blissful marriage:

How do you look at money?
The family environment you grew up in usually dictates how you view money. During the courtship period, your real personalities may not be immediately obvious to each other because you are showing your best sides.

Still, ask your partner on their idea of success or the role of money in that success. If incompatibilities exist, you will have a better understanding of how to accept each other or agree on how you can overcome your differences.

Who will pay for the wedding?
The groom's family normally pays for the wedding. However, given the hard times today, the best solution is for the couple to pay for everything equally. The families of both the groom and the bride can give whatever monetary gift they can afford and the couple can decide how much of these gifts will be allotted for the wedding.

Couples are not encouraged to spend too much for their wedding day. It is only one day and you have the rest of your lives together. Do not throw a grand celebration if you cannot afford it.

What would your lifestyle be like?
Understand how much money you both have and how much debt you each owe. If there is a debt, agree on how you plan to pay it. Be open about how much each of you earn and what you expect to be spending as a married couple. Do not leave the decision of what to spend on a day-to-day basis. This could lead to unnecessary misunderstandings.

Who will manage the money?
Even if a couple's financial well-being is a joint understanding, one of you has to be responsible for staying within agreed budgets; informing the other when there is any possible deviation foreseen.

You also have to keep track of all important documents and records. Both of you should make decisions on insurance, investments, and income tax return filings. Of course, you should do this in consultation with experts.

One of you also has to be responsible for properly maintaining and balancing all bank accounts to prevent penalties and not allow money to become idle without earning any interest.

How often will you talk about money issues?
Differences are inevitable. Work on a program of continuing discussion and communication with an open mind and sincere heart. Bring in an objective and experienced financial adviser if your differences seem major. This is the key to a long-term financial compatibility and a happy marriage.

Wednesday, February 07, 2007

How to Make Money without Making Enemies

How to Make Money without Making Enemies... do you think you have enemies when you have a lot of money?


Anytime is the best time to talk about gaining wealth without making enemies. Occasions, such as Christmas, provide a special reason. The best example is Charles Dickens’ “A Christmas Carol.”

Even if you haven’t read the book, you must have seen a version of a TV movie or cartoon about the story of a stingy businessman named Ebenezer Scrooge. On Christmas Eve, he was visited by four ghosts. Afterwards, he became more generous and charitable.

When one strikes the gold and gets rich, chances are he develops enemies around him. It could be the manner in which he obtained the wealth or it could be simply because these people are jealous of his good fortune.

So we ask whether it is possible to gain wealth without gaining enemies. The answer to this question is yes.

We all want to have more money. However, here’s the dilemma: when we get the money, we are prone to have more power. That’s true.

Too much power can result to enemies. If you do not want enemies, but you want money, below are some of the things that you can do.

It may be difficult but it is all about self-control. By keeping your morals intact, you know how to handle the situation better and in a civil manner. In the world of business, there is a tendency for people to engage in cutthroat competition. If you subscribe to this way of thinking, you ease up on seizing an opportunity that will let you step on others in order to reach your goal.

You should be also confident in the skill that you have. You need not be jealous of what others can do. By investing in your own talents, you can excel in this area. With diligence and devotion on what you are doing, soon enough you’ll be climbing up the corporate ladder.

Do not engage in BS or crap. If you feel that an endeavor is a waste of time, then do not get into it. Think before you act. If you also feel that it is not worth pursuing, do not trick others to jump onboard. Keep an atmosphere of healthy competition. Do not drag people down. Keep the playing field open.

If you find yourself ahead than most people, keep your feet on the ground. Do not act all arrogant and exude the aura that you are better than others. You will surely have enemies around if you do so.

Seize every opportunity. As long as it will help you succeed, then go for it. However, there is no need to pull somebody else down. Just proceed on your own pace and see the wonders ahead.

Everybody wants to make money and gain the secrets of the wealthy. They want to be their own boss and live their own lives and become financially stable. There are also people who want to achieve wealth without compromising their relationships with people around them.
It is possible.

Just follow the golden rule: do not do unto others what you don’t want others do unto you. Always put yourself in the position of the other person, without degrading or incriminating your own benefit.

Think of how you can gain from the situation, but also be mindful of those around you.

Friday, January 26, 2007

Handle Your Finances Wisely

How to Handle Your Finances Wisely:

Below are some words of wisdom to enable you to reap the benefits of money and prevent you from encountering financial troubles.

Secure it. Do not place all your money in your wallet. Instead, avail of the different bank services, for they have different terms suited for the various financial habits of people. If you are confused about where to place your wad of cash, go to the new accounts section of the bank near you. Inquire how you may be able to save your money and earn interest depending on the period that you want. If you are busy, e-banking has even made it convenient to do transactions with a few clicks of a mouse.

Keep track of your financial transactions. If you can afford it and are inept at handling money, find an accountant who will accurately record cash inflow and outflow from your pockets. However, accountants may be expensive to maintain. Because of this, try doing it yourself. Make a list of your receivables and evaluate how rationally you spent them. Also, try making a budget plan. Include allocation for loans payment.

A word on credit cards: Keep track of expenses charged to credit cards. One financial planner advised her clients, “If you cannot pay it in cash, forget about it.” Discipline is required.
While window-shopping, you may find the perfect shoes to match your suit or dress. Without second thought, you may whip out that plastic card and swipe it. Stop! Ask yourself and assess the item.

Do I really need this or do I just want this?

Borrow sparingly. If you can help it, do not borrow. Try to live within what your salary allows you. However, there is a distinction between good and bad debt. Good debt is when you use a loan to purchase something that puts money in your pocket, while bad debt draws out money from your pocket. Examples of good debts include investment instruments, real estate, franchise business, etc. Bad debts are incurred when loans are used to buy doodads like a yacht (that remains unused almost half of the year), electronic gadgets (when you just purchased one 6 months ago), luxury cars, designer clothes, etc.

Observe austerity measures. One way to do this is to recycle things. You do not only help Mother Earth maintain its balance but also keep your financial status safe. Try cutting down on buying clothes if the old ones will do. Do not buy luxury items if you cannot afford them. When shopping, go for classic and timeless pieces. Keep in mind that when handled properly, the things you currently own will last longer. More importantly, they will keep you from constantly buying new ones.

Also, refrain from buying impulsively. Make a list of things to purchase and follow them strictly. Thomas Stanley, in his book “The Millionaire Mind,” noted one particular habit of millionaires. According to his research, millionaires immediately leave department stores as soon as a purchase is made. This helps curb the practice of impulsive buying.

Come up with income-generating schemes. As times become hard to bear for your pockets, it is advisable to think of means to generate money.

For example, it may be the right time to discover your love for cooking, making handicrafts, painting, or baking to earn extra bucks. You may also join bazaars to market your products or organize a garage sale to sell old items.

Financial management boils down to self-discipline. Have the discipline and stick to your budget. Learn to live within your means. As Stanley learned early on while studying wealthy people: You cannot enjoy life if you are addicted to consumption and the use of credit.