5 Steps to Healthy Spending Habits

Next to our physical health most of us are primarily concerned with our financial health, and with good reason. Although our intentions are usually great our follow-through and discipline generally isn't. Mere mention of the word budget or cutback sends us into fits.

Healthy spending habits need not be synonymous with deprivation - a bad word in our you deserve it/you've earned it culture. Those interested in cultivating more healthy spending habits will be happy to know that rehabilitation is painless.

Step 1.

Start with a spending log. Yes, you have heard this advice before. This exercise is eye-opening if you do it diligently. If you have been unable to keep such a log because it is tedious or difficult to remember, consider using your debit card for every purchase. You can find the Visa/Mastercard logo nearly everywhere you shop or buy, including many fast food spots. With online banking you will have access to a visual record of all your spending. This is a great way to begin to spot patterns and decide where you can cut back.

Step 2.

Analyze your online account statement (four weeks is ideal) to help you determine where your money is going. Most credit unions offer to the minute transaction information. Review your log without judgment. What you have done, in terms of your spending, does not matter - at least not yet. What does matter is that you get a firm hold on your expenses. For example, how much money do you spend on coffee each week? Dry cleaning? Take out? Movies? You get the idea.

Step 3.

Next, write down all sources of income. With a list of your income and expenses in hand determine your priorities. Begin your budgeting process here. Obviously housing and other fixed costs will figure prominently on your priority list. Now, take a look at the conveniences that represent variable expenses. This is likely where you will find room to make changes. For example, if you subscribe to a video service can you get the two DVD plan instead of the three or eight DVD plan. If you buy coffee each day, can you bring it from home a time or two each week? Or would you be willing to purchase a smaller or otherwise less expensive cup? Can you clip coupons or eat out a little less?

Step 4.

Write a budget in pencil. Writing in pencil will help you remember that your budget is a fluid document. As you live with it you will probably need to make changes. That's okay. You may even want to include a little mad money each month. It is far better to blow a budgeted $20.00 than it is to impulsively fritter away $200.00.

Step 5

Set a savings goal and make it something specific and important. A meaningful savings goal keeps feelings of deprivation away while providing the motivation you will need to stay on track. Be patient with yourself if you do get off track. If it helps, try writing your goals down and posting them or maybe even carrying a picture that represents your goal. Refer to these as often as you need. It may also be useful to try to determine what emotional need your spending fills for you and look for another way to get your needs met. Remember, developing a new habit takes practice. In time you may even learn to love your new healthy spending habits. It is liberating to be in control of your finances. So, go ahead, clip those coupons. Write your budget and honor your savings goal. That (insert your goal here) can be in your future if you decide to make it happen.

Nicole Soltau is the President and Founder of http://CreditUnionRate.com.
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Free From Debt

Are you tried of going to the mail box and find many bills in there waiting for taking out your check book? Have you ever wondered if you will ever be free? Each month you pay the minimums and although you KNOW you've got a handle on it - you are not charging your credit card or accumulating new debts anymore - it seems that you will be paying the minimum fees forever.



The way you pay your debts can affect how soon you will finish paying them off - even if you keep paying the same amount for debt every month. Of course you might be able to get a consolidation loan, but if you're not eligible or are not interested then there are several other things you can do. It's not always the easiest to figure out the mathematics, but there are four steps to quicker debt relief.



1. Create a list: List your smallest debts first followed by your largest high-interest debts (credit card) and then your largest low-interest debts (Lines of credit and taxes). Plan to pay the minimums on all debts with these goals in mind:



2. Small bills first: They may not be the highest interest, but every bill that you are paying some interest on means you are usually only paying minimal amounts on the principal. Multiple debts are also a sure way to bring your spirits down. Paying off small debts first is a quick way to start checking them off - and freeing your mind.



3. Move the payments along: When one debt is paid add the funds to the next debt. For example, say you're making $75 payments to a small debt. When the debt is cleared add the $75 to the next debt on your list. If the next debt had a minimum payment of $100, you will now pay $175 until it is paid off. When that one is finished, take the $175 and add it to the next payment and so on.



4. Save the cash!: Don't forget that when your debts are cleared you have set yourself up for a better financial future. The best way to take advantage of your new situation is to use all the money you were spending on debts and start investing or saving it every month.



It is a worthwhile goal to get out of debt. With this strategy your debts will clear faster meaning you will pay less interest, you will see progress as you clear small debts first, and you will not be tempted to use the funds for personal use instead of debt repayment. Now you will see goal come sooner and teaching yourself discipline sets you up for a brighter financial future.

Article Source: http://www.articledashboard.com

Dr. Drew Henry maintains a number of websites about Loans, including Business Loan Guide, California Home Loan Secrets, and Car Loan Insider.

Auto Insurance: Reduce Costs But Maintain Protection

Auto insurance is a legal requirement in every US state and Canadian province. Costs are continuing to rise. How can you reduce some of these expenses and still get the best coverage?

First, get multiple quotes from the Internet and your neighborhood broker. You can shop for different types of quotes from a direct-sell insurance companies and offline and online brokers.

Auto insurance that is cheapest isn\'t always the smartest move. Ask yourself, is the company financially secure? Are they reputable and will they pay out if you have to make a claim.

The first piece of the policy is almost always liability insurance. If you only have minimum liability coverage and you injure someone, their attorney can go after your personal assets. Many insurers feel that minimum liability is a gamble. In fact, that is why it is often only a little more money for more protection.

Auto insurance varies on car types. Coverage for a sports car is very different from insuring the family sedan or mini-van.

If you are looking to buy a car, consider buying a car that \looks good\ to insurance companies. For instance, insurance companies know what kinds of cars are prone to problems. They also know what kinds of cars are most often stolen. If you haven\'t purchased your car yet, find out what cars make this \good list\ among auto insurers.

Consider how much coverage you really need to buy and the price each of these coverages will pay. Think about collision and comprehensive coverage, which is how much you will be reimbursed for the loss or destruction of your vehicle. Are you carrying $30,000 worth of collision coverage for a $12,000 vehicle?

If your car was totaled, would you be able to afford to replace it? If not, you will want comprehensive and collision coverage.

The decision to buy this coverage is usually based on the value of your car. Guidelines usually suggest that if your car is worth less than $2,000, it won\'t be worth it to buy comprehensive and collision.

If you own a $50,000 car though, it would most certainly be worth it to pay an extra $200 annually or so to insure that your car will be replaced if you get in a serious accident.

If you\'re driving a used car from 10 years ago, dropping collision and/or comprehensive coverage can usually give big savings.

Run through various scenarios such as if I totaled someone else\'s car, will my insurance cover it? How much will I have to pay out of my own pocket?

Paying a higher deductible can also keep your policy costs down. Remember, the deductible is what you pay out of own pocket when making a claim.

Buying a low mileage car and insuring with a good driving record, will all help bring insurance rates down. Don\'t speed, don\'t drink and drive and you\'ll save.

Single, young males under the age of 25 get the short end of the stick in this deal so if you fall into this category make up for this price increase by purchasing a more sensible vehicle. Consider delaying the purchase of that cherry red Mustang until after you\'re 26 and married.

Keep yourself adequately covered. You can get away with having the bare minimums required by each state to keep you in compliance with state laws, but that may not be enough to protect your assets if you have a major incident.

Insurance experts recommend that you review your insurance policy often and thoroughly.

Many insurance companies offer discounts for anti-theft devices and advanced driver-training courses.

Auto-insurancenews.com by Drew Harris is a one-stop-shop website for those looking for everything related to Auto Insurance. Multiple pages of resources, referrals, tools, and expert advice. http://www.auto-insurancenews.com

Will The Iraqi Dinar Rise Now That The Constitution Is Approved?

The current constitution of Iraq was approved by an October 15, 2005 ratification vote. The proposed constitution was drafted in 2005 by members of the Interim Iraqi Government to replace the Law of Administration for the State of Iraq for the Transitional Period, which had been put in force by the Coalition Provisional Authority after the Iraq War and occupation of Iraq by the United States and Coalition forces.



The drafting and adoption of the new constitution was not without controversy, however, as sectarian tensions in Iraq figured heavily in the process. The deadline for the conclusion of drafting was extended on four occasions because of the lack of consensus on religious language. In the end, only three of the 15 Sunni members of the drafting committee attended the signing ceremony, and none of them signed it. Sunni leaders were generally urging the electorate to reject the constitution in the 15 October referendum, but were overwhelmingly rejected by the voters.



The text of the proposed constitution was read to the National Assembly on Sunday, 28 August 2005. It describes the state as a democratic, federal, representative republic and a multiethnic, multi-religious and multi-sect country.



Excerpts From The Preamble



We the sons of Mesopotamia, the creators of the alphabet, and the cradle of arithmetic: went by the millions for the first time in our history to the ballot box, men and women, young and old, on January 30, 2005, remembering the pains of the despotic band's sectarian oppression of the majority; inspired by the suffering of Iraq's martyrs - Sunni and Shiite, Arab, Kurd and Turkomen so we can create a new Iraq of the future, without sectarianism, racial strife, regionalism, discrimination or isolation.



Some References To Monetary Concerns From The Body Of The Constitution



The Arabic language and Kurdish languages are the two official languages of Iraq. The use of both languages is officially endorsed in any setting enjoined by the principle of equality such as bank notes, passports and stamps.



The Central Bank of Iraq is a financially and administratively independent institution and is responsible before the Council of Representatives.



The federal government shall have exclusive authorities in the issuing of currency, formulating monetary policy, and establishing and administering a central bank.



Now, will the Iraqi Dinar rise?



This currency has already gained 25% the past half year. The more stable Iraq gets the more the dinar will rise in my opinion. This is only one of the many steps Iraq has to make but for exceptance by the world bank a big one.



Still keep in mind that investing in Iraqi Dinars should be on the most risky side of your investment portfolio.

Article Source: http://www.articledashboard.com

Marcel Heersema is a full-time online investor who is always looking for the best money making opportunities on the net. For more information go to: iraqi-dinar-opportunity.net This article may be reprinted only if the resource box is left intact.

See What Your Home is Worth

If you thought your home is worth nothing except for living purposes, then think again. It might be holding a treasure, still waiting to be explored. Wait before you deface it with a spade. What we mean is the equity that your home has kept on amassing all through the years. Home equity is the actual worth of the home in the market.

The equity in the home normally ascends. It is primarily because of the efforts put in by the homeowner. The owner keeps on making new improvements to his home according to his requirements. He may add new storeys to his house, or may change the flooring. These may, besides adding to the value of the house aesthetically, attract more tenants.

There may also be a rise in home equity because of no efforts by the homeowner. Real estate has become one of the safest options to place ones bet on. This has given a boost to the property prices, with the prices jumping by 125% in some posh locations. Some localized circumstances like improvement in road infrastructure, launch of a shopping mall, etc. too can be behind this increase in home equity.

Home equity will be of immense help to people who do not prefer to sell their home, but need resources to meet over some contingency. Resources are needed largely for spending on home improvements. However, the loan amount can be used for other purposes too without any limitations. Homeowners are allowed to take loans against their home. These loans are called home equity loans because they take advantage of the equity.

Having a solid collateral base of home, the lenders feel less exposed to risk. Lenders charge a lower APR on the home equity loans. The home equity loans are thus cheaper than the other loans.

The equity is reduced by the amount of loan taken against the home. As the balance on the loan reduces with monthly repayments, the equity in home increases. Except for reverse mortgages, all other loans and mortgages follow this principle.

A fallacy doing rounds among the borrowers is that their house is under risk of repossession if they take up a home equity loan. However, this is not completely true. The lender just has the lien to your home, which can only be exercised if the borrower is not able to repay the loan. In the meanwhile, the customer can continue living in his home without any intrusion.

The lender can initiate the proceedings for repossession of the house only when the customer has not paid the installments on the loan. Rarely would a person knowingly put his home in danger. The borrower, after studying all aspects of his financial condition, determines the monthly repayments. But, rarely is the planning foolproof. There are some situations that you might not have provided for; and this becomes your vulnerability. Because of the difficulty in paying the installments, the customers fear repossession, which can become a reality very soon.

Avoiding loans against your home for every frivolous reason can be a way to stop this from becoming a reality. True, home equity loans are cheaper and easier to get. But think of the after-effects of any such move. Your circumstances may change, making the repayments difficult.

Numerous loans against ones home will only result in depletion of the home equity. The savings in equity will work in the same way as the savings in money. Therefore, even if you do not have savings, you can always rely on your home to offer support. Complete exhaustion of the equity will disqualify you from taking help of the home equity.

So, before taking loan against your home the next time, think twice. Think what your home means to you, and how you are going to do without it. This will ensure that the decision regarding the future of the home is taken with added rationality.

Aditya has completed his masters in mass communications from Jamia University. If you need UK Personal Loans, secured Loans,unsecured loans

visit http://www.ukfinanceworld.co.uk

Back To The Future Big Changes Are Coming Get Ready Now

The comments below are quoted from a recent speech by Ben Bernanke, a member of the Federal Reserve Board of Governors...

Looking forward, I am sure that the Committee will continue to watch the oil situation carefully. However, future monetary-policy choices will not be closely linked to the behavior of oil prices per se. Rather, they will depend on what the incoming data, taken as a whole, say about prospects for inflation and the strength of the expansion. Generally, I expect those data to suggest that the removal of policy accommodation can proceed at a 'measured' pace. However, as always, the actual course of policy will depend on the evidence, including, of course, what we learn about how oil prices are affecting the economy.

In short, the Federal Reserve knows that there will be an impact. But no one knows how big and how fast. During the oil embargo of the 1970's gasoline prices doubled several times over a matter of months. The effect was dramatic and sudden. It was difficult to adjust, because things were happening so fast.

This time around, it appears that the price climb will be gradual and steady, thus allowing the Federal Reserve and the government to make adjustments as they go, by examining economic data on a monthly basis. At least that is what they are hoping for.They know that the economic climate is changing, but they are hoping that it will be slow enough to control.

This week as I contemplated my own reaction to the changing economic environment, I felt compelled to encourage you to give some serious consideration to your personal economic circumstances. If you have a large percentage of debt relative to your income, you should take steps now to eliminate as much of it as possible. Prepare yourself so that you will be protected against unexpected economic upheaval.

Being debt free, or having a very low debt to income ratio is the best way to protect yourself in an unpredictable and volatile world. As we learned on September 11, 2001things can change dramatically in only a few hours. If you put it off, you may not have enough time to get it done.

The average person needs 4 to 5 years to pay off theiroutstanding personal debt, not counting their home. In today's world, it will pay to get started now. I have made it my primary objective to pay off my personal debt overthe next year or two.

If you currently own rental properties, be sure you have cash reserves for future emergencies.

But how might all this economic stuff affect real estate investing?

The interesting thing about real estate investing is that even bad economic conditions tend to have a silver lining. There is a cause and effect relationship at work in anygiven economy, whether it is considered a ad or good economy.

In good times, such as we've had the past 8 years, retailing or flipping for cash was the hot ticket, due to high demand for housing and the ability to sell properties quickly. In recessionary times, higher interest rates and lower housing sales fuel more seller financing, and rental properties flourish. Of course there are always exceptions to the rule, but generally speaking this is the case.

As interest rates got lower, rates of return for traditional investment vehicles went lower and lower. The result? More and more money poured into real estate lending. Hard money and other types of conventional real estate financing programs expanded drastically, making millions of dollars in new funds available for real estate investors.

As housing sales reached record levels, home sellers began seeing a boom in housing prices. It has truly been a sellers market since rates fell below 7%. What happened toinvestment property? During the past 5 years of an investing bonanza in Atlanta,GA prices for investment properties have doubled and even tripled. 3 bedroom 1 bath junkers were selling in 1999 for as little as $25,000, even in liveable condition. Today, that same type house regularly sells for $65,000 (or more) before repairs.

Going Forward:

Rising rates will have a positive effect for investors, by slowing housing sales even further. As sellers get fewer solid offers property prices will get softer. Rising rates could fuel more short selling of foreclosed properties, and this trend is likely developing now.

Foreclosures may eventually get to levels not seen since the late 1980's, due to high levels of mortgage debt among homeowners, who in many cases, have mortgaged all of their equity to pay other bills.

If rates get above 7%, you can dust off your creative financing books, as seller financing will increase. Rising rates mean rising monthly payments. This will eliminate the borderline buyers from the housing market. They will start moving back into apartments and rental houses. Vacancies will decline, rental rates will increase.

If rental rates increase, cash flows will increase. Rental property will be back in style with investors who abandoned rentals and focused on selling for fast cash in a hot market.

Companies that sell investment property can expect growing demand for rental grade properties. While it is still very early in the cycle, I believe this shift is already under way.

Economic recessions are boom times for smart investors who are positioned to take advantage of the situation. I am not predicting a recession per se' but rising oil pricesand interest rates will eventually have a big effect on housing.

Be ready to take advantage when the opportunity comes. You have plenty of time to plan for it now.

Donna Robinson is a real estate investor, author and consultant in Atlanta, GA. More of her articles are available on her website at http://www.RealEstateInvestorHelp.comShe may be reached via email at drobinson@reihelp.com

Rapid Refunds Rapidly Take Your Money

At tax time, most Americans find themselves expecting a refund.
That\'s no surprise, as most people have too much money withheld
from their paychecks. It would be a simple matter to adjust the
withholding so that the amount of money withheld is roughly
equal to the amount of tax owed, but most people are content to
get a refund check every spring.

Until relatively recently, when a taxpayer had a refund coming,
he or she had to wait two months or so while the refund was
processed and the check mailed. In recent years, however, major
tax preparers have come up with a profitable alternative that
keeps the taxpayer from having to wait so long - the Rapid
Refund.

The rapid refund, also known as a refund anticipation loan, is a
loan given by the tax preparing company that is backed by the
refund itself as collateral. The taxpayer that agrees to the
service will receive his or her refund, less a service fee,
often in as little as 24 hours.

On the surface, this might seem like a great idea. Pay a fee,
and get the refund now instead of later. But there are some
problems with this service that many people either don\'t know
about or overlook:

# The fees are high; they average about $100 per refund.

# When the fees are considered as interest, the interest rate
can amount to more than 500% annually, a rate comparable to
those of payday loans.

# The people who elect to take the rapid refunds are often the
people who can least afford them, so the process tends to take
advantage of the poor. # The fees you pay for the rapid refund
aren\'t getting you your refund that much faster Professional tax
preparers usually file returns electronically, so the refunds,
without the extra service, can often be had in as little as ten
days..

# You are paying someone to lend you your own money!

If you really, really need your refund quickly and you don\'t
mind paying a hefty fee to get it a few days sooner, then go
ahead and buy the rapid refund. For most people, however, the
service is a poor investment.

Getting Better Looks with Cosmetic Surgery Loans

Looking good makes one feel good and confident. Many times the birth defects, stressful life and aging leave their marks on our bodies, which require correction. Many people feel that a little aesthetic improvement in their face and body will help them tremendously. These treatments and enhancements do not come cheap but cosmetic surgery loans help us finance such procedures.



Cosmetic surgery is a modern surgical wonder, which deals with the makeover of facial and body tissue that requires a reshaping - this might be done so as to look normal, to regain working ability after a disaster, or to improve the physical appearance. Sometimes it is also known as plastic surgery.



Given the amount of morale boost it provides to the people, it is a little surprise that cosmetic surgery is increasingly getting popular day by day. Apart from treating it as a medical relief, people are now looking towards it as a lifestyle enhancement procedure. This is the reason why people, even from average financial backgrounds are taking cosmetic surgery loans and flocking to cosmetic surgery centers. They are gradually overlooking the fact that cosmetic surgery is not covered by private medical insurance.



Many types of treatments such as liposuction, breast surgery, breast augmentation, breast reduction, breast improvement, collagen or fat therapy, body tucks and laser treatments are performed under cosmetic surgery.



Before taking a cosmetic surgery loan it is advisable that you should be pretty clear about the procedure that you want to use. Consulting an expert for this matter will definitely help you in knowing the pros and cons of that particular cosmetic procedure. Weigh all the factors and take a suitable decision. Since taking a cosmetic surgery loan is under consideration, you should shop around and look for a solution that is economically viable, and doesn't hurt the pockets too much.



Any cosmetic surgery would require a cosmetic surgeon. Many loan companies that give you a cosmetic surgery loan have a panel of surgeons on their board. You will have to choose from them, but some companies allow you to have a surgeon of your choice. It is better to give this fact a serious consideration because following the rules of the lending company might bind you with costly surgery options.



There are two types of medical costs involved in any cosmetic surgery- the operating costs and the post-operative costs. Many of us, while looking for a cosmetic surgery solution pay attention only to the operating costs but the post-operative procedures and precautions will also form a major chunk of your total costs on the surgery. The post- operative visits to the specialist, clothing, diet, medication, equipments - all must be given due consideration in arriving at the final cost of the cosmetic surgery.



Cosmetic surgery loans can be secured or unsecured. The secured loans will use some of your property as collateral. If the cosmetic surgery loan is unsecured it will be given after a strict credit check and verifying the soundness of your financial condition. Major lending companies, if they get proper collateral or find that the person concerned is credit worthy- do not hesitate in lending amounts up to 25000. The monthly installments can be decided mutually by negotiating with the lending companies. The repayment periods range from 24 to 60 months. The interest rates charged on cosmetic surgery loans are generally lower than those charged on the credit cards but they can increase dramatically in case the lender feels that you have a poor credit history and their capital is at risk.



Cosmetic surgery loans give you the capital to get that facelift and body correction, which will boost your self-esteem. Cosmetic surgery is not the domain of a privileged few and widely available to general public, thanks to cosmetic surgery loans. Now, almost everyone can get his desired look and shape. So, don't wait, get that cosmetic surgery loan and look your best.

Article Source: http://www.articledashboard.com

Andrew baker has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK.He works for the Secured loan web site uk finance world for any type of uk secured and unsecured loan please visit www.ukfinanceworld.co.uk

Property Investment Opportunities in Mongolia Sheer Madness or is it?

I attended recently a terribly smart cocktail party in a Belgravia Embassy. I hovered contentiously, as I usually do, near the bar and the exit of the kitchens.

As I reached discreetly for my 10th little foie gras toast in nearly so many seconds, I was addressed abruptly by a very distinguished but firm Lady in a large (and quite silly) hat.

She addressed me; chin up, with a chilly \now young man, what are you doing with yourself these days\.

Her question had the tone of a sarcastic demand full of contempt for a young man who wasted his life so well.

I recovered from the embarrassment of dropping the foie gras toast, and, only slightly put off, answered in my most polite voice that I was indeed selling flats in Mongolia.

My distinguished interlocutor visibly stiffened, in a sudden jerk, brought her handbag closer to her chest, and remained thus startled in a state fit for Madame Tussauds.

\It\'s very exciting you know! Very interesting market out there.\ Finally she declared, in utmost frustration in a barely controlled high pitched voice \MONGOLIA!! What on earth for!! Never heard such nonsense!!!\ long pause \I didn\'t even know they had flats!\

With this declaration she did an abrupt about turn and went off muttering something to the likes of \silly little man, what gibberish, Mongolia\

I was not in the least disturbed by this incident but instead found it rather amusing as this was not the first time I had a similar reaction, usually bewilderment.

Mongolia is not a country which people would associate with investments of any kind, neither did I until recently.

When I think of Mongolia the image of Genghis and his fierce warriors come to mind, I expect most people think alike.

I recently went there and was surprised, if slightly shocked, to find a country in a full economic expansion.

I had epic and romantic visions of proud horseman wondering around a city of tents; instead I was greeted by a large full scale soviet city complete with international restaurants, traffic lights and jams, bars and trendy nightclubs.

I enquired as to the reason for that incredible sight; here is what I learned:

In the past 18 months or so, Mongolia has enjoyed a kind of delayed post-Soviet boom, as years of gradual reform (and U.S. aid) finally begin to pay off. While other former satellites, including Ukraine and Belarus, never fully recovered from a post-Soviet economic depression, Mongolia has regained its Soviet-era income level ($500 per capita) and is not looking back.

The economy has grown at a rate of 10.6% for 2004 but is expected to stabilise around 8.5% for 2005. Mongolia cleared off its debt to Russia for assistance received during soviet times in 2003. Inflation is reducing every year and was only 5% in 2005 compared to the 53% seen in 1995 while its external debt is equally decreasing and has reached 1.1 billion USD. \Mongolia has made great progress towards its transition to a market based system since the early 1990\'s\ (IMF, letter of intent on Mongolia, 2003)

In 2004 large deposits of gold and other minerals such as copper, molybdenum, tin, tungsten, iron and ore were found; this is expected to create an incredible growth in the economy. A number of British and American Mining companies have moved in and will start extracting soon, this means a lot of foreign investment and a considerable expatriate community will develop from it.

Foreign investment is increasing every year and so are the numbers of tourists and expats. Political corruption is very low for the region and the government is stable and democratically elected.

Sadly the picture for the Mongolian economy is not all rosy, they export copper, apparel, livestock, animal products, cashmere, wool, hides, fluorspar, other nonferrous metals but everything else has to be imported. Unemployment is decreasing but is still at 6.7%. \This is a rough neighbourhood, with rough neighbours,\ says a Western diplomat in Ulan Bator. \No former Soviet state has come so far, and no former communist country in Asia has shown as much commitment to reform as Mongolia.\

The Real Estate market is possibly the most interesting part of the economy. The numbers of apartments approved by the city has increased by about 20% every year for the past three and the rental yields are some of the highest in Asia at about 18%. It has been calculated that demand so far outstrips supply that it will not be equilibrated before 2015. There are an increasing amount of developers such as the American entrepreneur Mr Lee Cashell who make the most of this situation by developing large luxury residential projects in the heart of Ulaan Bataar as an investment opportunity for European Investors.

Mr Cashell has barely completed a very successful residential complex called the Park View Residence that he is already in Europe selling his new property to British investors and agents: the Regency Residence. This promises to be the most luxurious and attractive development in Mongolia.

What makes the Regency Residence so unique in Ulaanbaatar is that there are very few modern, new build apartment blocks. Especially ones built to a luxurious Western European standard. Other apartments in the city date back from the Soviet era and most could do with some serious renovation work. This makes new apartments like the ones at the Regency Residence extremely sought after, particularly as demand outstrips supply.

High interest cost, lack of investment capital and low equity financing is hampering the developer\'s ability to build large scale luxury apartments and thus meet the large demand.

In the coming years it is expected that developer will be able to increase capacity and produce more apartments however the scarcity factor is expected to remain for years to come.

UB is one of the only cities in the world where half of its residents are not living in apartments as many citizens remain in the traditional dwellings in the hillside surrounding the city

For further information please visit our website at http://www.mongolia-realestate.com.

Christopher de Gruben is the European Director of Business development in London.

Mortgage Loan Dirty Lender Scams

If you are in the market for a mortgage you should know there are lenders looking to take advantage of you. To avoid being scammed by a dirty mortgage lender you need to do your homework before shopping for a mortgage. Here is what you need to know about dirty mortgage lenders and their scams.

The majority of mortgage lenders today run legitimate businesses that are sincere about helping homeowners with their financial needs. There are however a good deal of lenders that are only concerned with making a buck, and have no problems taking advantage of people to do it.

Dirty mortgage lenders take advantage of homeowners in a variety of different ways. Some of these lenders require homeowners to purchase insurance policies they do not need as a condition of qualifying for the loan, others require periodic refinancing, and some dirty lenders simply charge outrageous fees and interest rates.

One way to spot a dirty mortgage lender is by the use of pressure sales tactics. If you feel the representative is being too pushy, or trying to \hard sell\ you, be suspicious of that lender. Mortgage lenders that engage in pressure sales tactics are most likely trying to get you to agree to unfavorable loan conditions such as balloon payments or periodic refinancing requirements.

The best way to avoid being taken advantage of is to do your homework and research mortgage lenders and their offers. This will allow you to compare mortgage offers and recognize the ridiculous from the sincere. To learn more register for a free mortgage guidebook.

To get your free mortgage guidebook visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid common mortgage mistakes and predatory lenders. For a free copy of \Mortgage Refinancing - What You Need to Know,\ which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit Refiadvisor.com.

Claim your free guidebook today at: http://www.refiadvisor.com

Chicago Mortgage Refinance

Bulgariathe investment opportunity with prices for everyone

The secret is well and truly out for Bulgaria. With the cheapest
property prices in Europe, and a ridiculously low cost of
living, people are buying Bulgarian properties in their droves.

Traditionally, property investing has been for the well-heeled,
and the well-connected. Exotic foreign climes, slick city centre
apartments and bustling holiday hideaways have offered huge
returns to the canny and knowledgeable investor. Bulgaria has
certainly bucked the trend, with property prices are for all of
the above that are well within the reach of the average
investor.

Seduced by the fantastic climate, a laid-back lifestyle and fast
appreciating prices, returning holidaymakers have fuelled the
price of property, in more traditional European resorts, for
years. Unfortunately, the growth in prices has been so dramatic,
as to push prices in favourites such as Spain and Portugal, to
record highs that are way out of the reach of the average
purchaser.

Bulgaria is a refreshing change. Likened to Spain, some 15 years
ago, this Balkan jewel offers a variety of properties that will
fit in see even the smallest budget. It boasts fantastic
coastlines, the longest ski season in Europe, dynamic and
vibrant cities and truly breathtaking countryside. Even better,
the prices are 60 to 80% cheaper than any of its more
fashionable equivalents.

For those with a tiny budget, there are country cottages, with
acres of land studded with fruit trees for less than
£10,000. Slick city centre apartments can be acquired,
with fantastic all year round rental potential, for less than
£20,000. The Black Sea has temperatures higher than that
of the Mediterranean on the Spanish coast during the summer
months. There, studio apartments with fantastic sea views, can
be bought for less than £30,000. The mountains offer miles
and miles of unspoilt, tree-lined ski runs. Even with guaranteed
rental of 15%, studio apartments can be found in the popular
resort of Pamporovo for less than £25,000.

Prices have risen steadily by 20 to 30% over the last several
years. They will be catapulted even higher early in 2007 with
full entry into the EU. To maximise their return, and to obtain
the very best prices, the smart investors are putting their
money into Bulgaria now. This country is set to be the European
investment hotspot for the next several years, offering
fantastic returns from the small-time investor and corporate
purchaser alike.

www.investmentpropert
ybg.com have a huge portfolio to trouble all the investment
opportunities currently available in Bulgaria. They currently
have a full range of absurdly cheap investment properties in the
countryside, with prices from under £10,000. Also on offer
are ski apartments with guaranteed rental, the only coastal
villas with full disabled access and even a ten- bedroom
countryside mansion, with pool for just £70,000.

Refinance Car Loan Auto Refinancing Tips

Qualifying for an auto loan refinance is easy - even with less than perfect credit. Refinancing an auto loan is beneficial for several reasons. Furthermore, finding a lender to manage the refinancing is easy. However, before applying for a refinance, you must meet certain requirements.

Benefits of Refinancing Car Loan

Car buyers refinance automobile loans for various reasons. Primarily, these individuals are hoping to save money on their monthly payments. By refinancing your current auto loan, you obtain a better rate and can either extend or reduce your loan term.

If your credit has improved since the initial car purchase, a refinance will be in your best interest. Good credit justifies prime auto loan rates. A huge rate reduction on your auto loan will significantly lower your monthly payment.

Car Loan Refinancing Requirements

Unfortunately, you must meet certain requirements to refinance an auto loan. For starters, the value of the vehicle must exceed the amount owed. An upside-down auto loan consists of owing more than a car\'s worth. In this case, you cannot refinance the car loan.

If possible, try and reduce the amount owed on the car, and then refinance. This will involve increasing your monthly payments. Furthermore, refinancing options only apply to vehicles less than five years old. Secondly, the balance owed on the loan must be at least $7500.

How Does the Refinance Process Work?

Refinancing an auto loan is simple. To begin, contact your current lender and request a payoff balance. Next, complete an online application with an auto loan refi company. When applying for a refinance loan, you must include detail information about your vehicle and loan amount. In some cases, you may be asked to include the vehicle identification number on the application. If applying online, approvals are instant.

Selecting an Auto Loan Refi Lender

Automobile loans must be refinanced through a different lender. Hence, you should devote some time and energy to comparing lender rates and offers. Do not accept the first offer received. A hasty decision may cost you more money. Instead, request online quotes from three to four lenders, and carefully review offers. Pick the lender that offers the most savings.

View our recommended Refinance Car Loan lenders or view all of our Recommended Auto Lenders Online.

California's Housing Market Helps Home Mortgage Loan Industry

California\'s Mortgage Loan Market

The California housing market, while cooling down somewhat over the past year, still helped drive job growth in the state. Much of this growth was in the mortgage industry, as well as the construction industry. In fact, real estate agencies and mortgage loan companies added nearly 1500 jobs in November of 2005. However, in San Diego county, the mortgage industry lost workers as financial and loan companies are finding it difficult to maintain the job levels that existed during the boom market of the past five years. This is a trend that many analysts say will continue, especially in once red hot real estate markets such as San Diego and Phoenix.

California Real Estate Market

Many economic analysts, while hopeful about the job growth in November, are worried about the real estate sector. If real estate companies and construction companies continue to shed jobs over the coming year, it will certainly have an effect on the number of jobs in the state, as well as the strength of the economy.

San Diego\'s Previously Strong Market

San Diego\'s strong market can be accredited to the area\'s recent trends, including job growth, low vacancy rates, and a decrease in apartment supply. Real estate experts maintain that alongside Miami, San Diego is the only metro area in the country where the supply of apartments is declining. Apartments are inherently converted into condos faster than new ones are being built. This fact, juxtaposed with a growing population, may cause the vacancy rates to become even lower, leading to a further increase in demand for condos in San Diego. Another facet that bolsters the strength of the San Diego market is the number of investors that are buying condos, both natural and converted, some of which will end up reappearing back onto the rental market.

Corey Senn is a Senior Partner with Bad Credit Lender, a California based private lender that specializes in hard money loans and bad credit loans. Located in La Jolla, California, Bad Credit Lender provides competitive private California hard money loans, bad credit home loans, and bridge loans. In addition, Corey is one of the main contributors to the California Home Mortgage Loan web blog.

Leverage Is The Only Way To Wealth

To build any serious income you have to use leverage. You accomplish this by spending your time creating and managing levers. I'd bet that if you are creative enough, you could probably create a lever on anything that can provide an income. Let me explain this with several examples.



If you do not have an employee, you are not leveraging your time. Start leveraging your time in a tiny way with something that doesn't require complex skills, like a dog walking service. But get other people to walk the dogs. You never walk the dogs, you focus on marketing and increasing the number of dogs to walk, and more walker employees. Then you hire an employee to handle the marketing and sales duties, and then you'll have a business that runs on its own without you. You'll have an absentee ownership model where you have the free time to start another business to leverage. You have to learn that you can't run an empire if you are doing everything yourself. The old quote for this situation is, The more I do, the less I accomplish.



If you are not saving money every month, you cannot leverage your money. Start tiny, take 3% of any income into your checking account, and move it into a savings account. How are you going to work your way up into big deals, if you don't have any money to buy-in to smaller deals? There are ever larger playing fields, but saving money is necessary to get into the entry-level business game.



If you haven't converted your ability into products, you are not leveraging your skills. Start tiny with something that doesn't cost anything. Like writing an article or a song, whittle an animal figure from wood, record a speech. Any start will be helpful that gets you thinking about creating products from your skills. If you only know services, they can also be turned into products: books, tapes, software, newsletters, subscription services, etc. If you only have service skills, you can leverage them like step one above. But beyond that, you can start marketing to new market channels by developing your own proprietary products that I just mentioned.



If you don't have business contacts, then you are not leveraging a social network. Start talking to people about what you want to accomplish; I can't remember the source of the quote, but it is, He who has the bigger rolodex wins. The more entrepreneurial business people that you know, the more business opportunities you will hear about, and thus more financially successful you may become.



You can employ non-physical assets that can be leveraged. This is one area that I use a lot. For example, I have offered my credit to purchase an income property for a partner to manage, but we split the income by 50/50. You can offer your credit and be paid to co-sign on a loan. By having good credit, you have access to loans that you can use to buy investments.



When you've worn yourself out on those exercises, you can start figuring out how to leverage everything you have done toward what you want to do next. This is a critical phase. If you have an idea, do you start thinking like this, I don't know what to do, so I guess I can't do that. Or, do you start to think like this, Get my rolodex, and find three people already in the industry that may be able to point me in the right direction. Then call my bank and let them know I'll be asking for some money in the next couple weeks for a new project.



Now, who would you bet on to make quick progress that will lead to success, and who won't be able to move beyond their own fears and drop the idea altogether.

Article Source: http://www.articledashboard.com

investing.real-solution-center.com

Employment Taxes Depositing With The IRS

If your business has employees, you must pay employment taxes. The payment system can be a bit confusing, so this article discusses how to go about depositing employment taxes with the IRS.



Depositing Employment Taxes



To pay employment taxes, you must deposit the money with the IRS. As is typical with tax situations, the payments are not actually made to the IRS. Instead, you must deposit the employment taxes with a federal depository. Moving the burden to the private sector, the IRS requires most banks to act as depositories. If your business has just started hiring employees, ask you bank if they act as a depository. If they do not, you may want to change banks.



To deposit the taxes, you forward money per the bank specifications. You will also need to file a Federal Tax Deposit Coupon, Form 8109, with the deposit. The IRS typically sends these forms to you at the beginning of each calendar year. If you don't receive any, you can download the form from the IRS site or ask your tax professional.



When To Deposit



You must deposit employment taxes either once or twice a month. The IRS will send you a schedule at the end of each year for the subsequent year. As a general rule, you want to file within a few days of each pay period.



Failure To Deposit



Collecting employment taxes is a high priority of the IRS. Since the taxes include money deducted from an employee's paycheck, the IRS views an employer's non-payment as a form of theft. If you fail to pay, you can expect the IRS to come down hard on your business and, potentially, shut it down. In short, make absolutely sure you deposit the employment taxes.



In Closing



There is no other way to put it - paying employment taxes is a pain. Just make sure you pay them to avoid the wrath of the IRS.

Article Source: http://www.articledashboard.com

Richard Chapo is with www.businesstaxrecovery.com - recovering overpaid taxes for small businesses. Visit our article page - www.businesstaxrecovery.com/articles - to read more tax articles.

UK Loans are Great to Have

Loans can be a good decision for many people. However, when people look at their financial portfolio many do not consider loans as a wise option. This is because people see the principal plus the interest and automatically assume that a loan is a bad decision.



But that\'s not always the case. When considered as part of your overall financial picture, you may be surprised to learn that a UK personal loan could be a wise option for your financial portfolio. In fact, many people are beginning to look to UK personal loans as another financial tool in their financial toolbox.



A UK personal loan is available for many people who want to consolidate their bills, help them budget, and leverage their investments.



A UK personal loan can help someone consolidate their bills by providing them with one bill to replace the many credit card and utility bills that they may have accumulated over time. Often, by consolidating several bills together, you may be able to negotiate a better interest rate with the lending institution simply by having a larger amount of money on loan. In fact, when you compare interest rates from lending institutions and credit cards, you\'ll probably discovered that consolidating many of your bills automatically reduces the overall interest you\'ll pay on average.



A UK personal loan can also help people buy get. This is because we are inundated with bills throughout the month as they come to us in the mail. Unfortunately, we are not always able to paint in the very day they arrived in our post box. Instead, it you came personal loan can pull all those bills together so that we have one bill in the month and we know how much it is going to be. This will help us as we budget our finances.



Finally, a UK personal loan can help someone leverage their investments by providing them with initial capital to make improvements on their home. Often, these improvements increase the value of your home much more than the actual value of the loan plus interest.



If you shop around, you\'ll find a loan that gives you the amount of money you need to borrow as well as a variety of choices for the period of time you\'d like to repay it. At first glance, a loan may seem like an odd choice to add to your portfolio, but consider the advantages you get from consolidating your bills, helping you with your budget, and leveraging your investments and you will see that eight UK personal loan may be a good choice for your financial portfolio.

Article Source: http://www.articledashboard.com

Jeff Lakie is the owner of ccjs-loan-secured.co.uk providing Uk homeowners with a free loan quote service. Visit us today for a free no obligation quote.

CondoHotels A New SecondHome Alternative to Time Shares

Condo-hotels have evolved as a better, more reliable second home alternative to time-shares. They are usually attractive, high-rise hotels on the ocean or in other prime locations, and range in price from the mid $200,000s to over 1 million, depending on the size, location, and amenities.

Many of the biggest names in the hotel industry have condo-hotel buildings, including Hilton, Four Seasons, Clarion, and Ritz-Carlton. Donald Trump has numerous condo- hotel facilities across the country, including a building in Fort Lauderdale and another in Sunny Isles, Florida.

In general, condo-hotel properties have been highly successful with all or nearly all units selling out within months of the first offering. For example, the Ritz-Carlton Key Biscayne is a beachfront property with 188 condo-hotel units, all of which sold out a year before the building was even finished. Needless to say, the values of the condo-hotels in this building have gone up significantly.

There are several reasons for the popularity of condo-hotels. When you purchase a property, you purchase a condo unit in the hotel. Unlike a time share, you have access to the property whenever you want, and it is put into a rental pool when you are not in residence. Although developers can't guarantee the properties will rent, management by a well-known hospitality group will typically result in several weeks of rental income. This is one of the biggest appeals of condo-hotels because the rental income can offset some of the costs of owning a vacation property.

In addition, the management company takes care of renting the unit, using their connections and expertise. You don't have to worry about any of these details. Most rental agreements split the income 50/50 between the management company and the owner. However, some properties offer more favorable arrangements, and this is another aspect to consider when deciding which property to purchase.

Despite the fact that the property is in a hotel setting, a condo-hotel is considered a private residence, and owners are eligible for mortgage interest deductions and all the other tax advantages that come from owning a second home. However, most condo-hotels do not allow you to live in the unit year round. This is because the management company wants to rent out the unit when you are not there, so both you and they can profit from that rental income.

Each condo-hotel property has its own residence restrictions that indicate the maximum amount of time you can live in the property. This is an important piece of information to consider before purchasing a condo-hotel unit. Most owners do not intend to live in their condo year round, so this is not a concern in typical circumstances.

Why not just rent a hotel room? In addition to the investment aspect, condo-hotels usually offer more room than a standard hotel room. Most suites are one or two bedrooms, and larger units are available. Condo-hotels typically have cooking facilities and other homey features that hotel rooms do not. This makes it ideal to have family stay with you when they come to visit.

With the advantages they offer over time shares, it's easy to see why so many people looking for a vacation property investment they can also enjoy when they want are now looking at condo-hotels.

For more on finding and buying the right condo-hotel, check out Make Your Next Home a Resort, the 2005 Guide to Condo-Hotels, Fractional Shares and Resort Residences. You can download the Guide as a pdf file at http://www.InvestingIN.com/realestate/resorts/resort4u.htm

Leon Altman is the founder of the InvestingIN Real Estate Letter - http://www.InvestingIN.com/realestate/LtrSignup3.htm- and its parent website, http://www.InvestingIN.com - a website that provides articles and newsletters about opportunities in different areas.

A Guide to Selecting a Mortgage Broker in Australia

Once you have made the decision to buy a home you will need to obtain mortgage financing for your purchase. Until about fifteen years ago buyers had to go directly to banks to obtain loans and shopping around for the right fit was a long process. Mortgage Brokers are experts in home loans who will consider your financial situation and financing requirements and then shop around for various lenders to find the best possible deal on financing for your purchase.

Because mortgage brokers understand the loan process and the criteria used by lending institutions in evaluating borrowers they are able to make sure your loan application is completed correctly the first time resulting in a much smoother process. This can ultimately lead to faster approval. In addition they have access to hundreds of loan products with many different lenders resulting in the flexibility to find the best possible loan and interest rates for your situation.

It is no wonder mortgage brokers now write about 30% of all mortgages in Australia. Your mortgage broker will not only find you the best rates and programs based on your needs, they will also help you understand the process, and if necessary negotiate on your behalf if you have less than perfect credit.

It is recommended that you shop around for a mortgage broker that you feel comfortable with. You can often complete a small questionnaire online and someone from the mortgage broker will contact you to discuss what they have to offer. Be sure to apply to multiple mortgage brokers online and don't be afraid to ask questions including how they get paid and what their fees are for particular loan products.

It is important to choose a mortgage broker that is a member of the Mortgage Industry Association of Australia (MIAA) or the Finance Brokers Association of Australia (FBAA) because they have certain professional standards they must adhere to.

There is much more to choosing a mortgage broker than finding the one which quotes the lowest interest rates. You may find that one has the lowest interest rates but is charging too much in hidden fees. It is important that you shop around and choose a broker with a good reputation. Your professional real estate agent can be an excellent source for obtaining names of potential mortgage brokers. Also, try asking friends, family or co workers who they recommend. Everyone feels better doing business with companies who are recommended by people they trust.

Copyright 2005 by Robert Scott, LoanSense.com.au

Robert's LoanSense website is dedicated to helping Australian borrowers get the best possible deal on a Home Loan in Australia. If you are looking for a home loan be sure to review the information on using a Mortgage Broker to find the best loan for your situation.

Filling your apartments Rent Empty Units Fast

Reality of Empty Real Estate

There is no investment in the world as consistently profitable as real estate. However, there is no asset more expensive than empty real estate. It does not long take for a property to make sale or foreclosure necessary when it has consistent substantial negative cash flow. That is the reality of empty real estate. The best way to prevent this possible failure is simply to keep units rented. This is doubly true for smaller properties, as one unit down can easily mean the loss of 25% of income for a 4-plex, 33% for a triplex and 50% reduction of income on a duplex.

Tactics

Many landlords only do the bare minimum to rent empty space. They put a \For Sale\ sign up in the yard, and maybe they put an ad in the classifieds. They spend as little money as possible in effort to get the tenancy filled up. I suppose the thought is, \I\'m already losing money on this place, why spend more and make it worse?\

If your market is so strong that you can rent empty units within a week or so just by putting up a sign on the lawn, great. For the other 99% of you, keep reading.

The tactic which seems to work best to fill empty units is the time honored practice of bribery. Here are some ideas to get you thinking.

* Bribe your current tenants. Hopefully, you send them a tenant letter with a rent statement every month, if not just send a special tenant letter offering them A new TV, $100 off next month\'s rent, or cash if they refer someone to you that signs a lease

* Bribe prospective tenants. You can offer them a DVD Player, one month rent free, or perhaps reduced rent for the first 6 months, maybe $25 off. State the offer in your newspaper ad. Don\'t be afraid to pay a little extra for a longer or bolded ad if it means you will rent faster. You can also put such a bribe in a tenant letter. (Example: \Tell your friends we\'re having a deal. If someone signs a lease by the end of this month, they\'ll get a $50 gift certificate to TGI Friday\'s.\)

* Bribe local employers. Offer nearby business a $100 referral fee for pointing employees in your direction.

* Bribe the community. Many libraries, grocery stores and community centers have public bulletin boards where it is appropriate to post things like this. Just check first to make sure it is alright to put such a notice there.

Be creative. If you can offer something to them that other landlords wont, then you will have the competitive edge in your marketplace.

The bottom line

Yes, this is an extra cost. It is, however, worth doing. If you spend $50, $100, or even $200 dollars to get your apartment filled, you get your cash flow back that much more quickly. Costs for an empty apartment add up fast. A $500 dollar apartment vacant for 3 months just cost you $1,500 bucks. If you had spent $300 on a new TV and a classified ad and gotten it filled within a week or two, at the end of those same three months, you would net $1,200. $1,200 in profit instead of a $1,500 loss. Not bad for a 3 minute phone call to the newspaper and a 20 minute drive to the electronics store.

Bryce Beattie works full time for Middle Class Millionaires (http://www.middleclassmillionaires.com) developing real estate investment software.

Be Prepared With Your Home Equity Loan Checklist

A home equity loan can be an excellent way to obtain money in order to pay off high interest bills or consolidate your current debt into one monthly payment. A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because the home is likely to be a consumer's largest asset, many homeowners use their credit lines only for major items such as education, home improvements, or medical bills and not for day-to-day expenses. Additional benefits include a nice tax advantage and the possibility of an overall lower monthly payment. However before you decide that a home equity loan is right for you make sure you do your homework.

Not all online lenders of home equity loans are the same which means there are ample opportunities to save a few more of your hard earned dollars.

The biggest obstacle to overcome is deciding on the appropriate online loan lender. Make the wrong choice here and it could come back to haunt you in the form of higher payments. I have compiled a small list of items to check for when searching for the best online loan lender. One item to be on the look out for is the annual percentage rate or (APR) as it's commonly known. This is the cost of credit on a yearly basis expressed as a percentage. This cost is based on the interest rate alone and will not take into effect other fees and charges such as closing costs.

Most home equity loans or lines of credit revolve around variable interest rates. In many cases lenders entice consumers with an offer to temporarily discount interest rate for home equity lines. This rate is unusually low and may last for only an introductory period, such as 6 months.

Typical information that a loan officer will ask you to provide include a checklist for Full Document loan approvals, 1 month of pay stubs from your employer, the previous 2 years worth of W2 forms, a mortgage coupon or copy of your monthly mortgage statement, your homeowners insurance policy information, the mortgage note on your current mortgage, your drivers license and social security card. Having these items handy will help speed up the loan approval process.

Remember those pesky closing costs when you first bought your house? Well there back in force when you apply for a home equity loan. They include but are not limited to the following: Up-front charges, such as one or more points (one point equals 1 percent of the credit limit), application fees, appraisal fees and closing costs, including fees for attorneys, title search, and mortgage preparation and filing; property and title insurance; and taxes.

Once recommendation before applying for a loan would be to have a plan in place describing how you intend to pay the loan back. Some plans set minimum payments that cover a portion of the principal plus accrued interest. Other plans may allow payment of interest alone during the life of the plan, which means that you pay nothing toward the principal. If you borrow $10,000, you will owe that amount when the plan ends. You'll need to be aware of the possibility of a balloon payment. This means whatever your payment arrangements during the life of the plan--whether you pay some, a little, or none of the principal amount of the loan--when the plan ends you may have to pay the entire balance owed, all at once. Failure to complete the loan arrangement by making the balloon payment could result in the forfeiture of your house.

Finally the federal Truth in Lending Act requires lenders to disclose the important terms and costs of their home equity plans, including the APR, miscellaneous charges, the payment terms, and information about any variable-rate feature. You usually get these disclosures when you receive an application form, and you will get additional disclosures before the plan is opened.

These simple guidelines were meant to provide you some additional information with the hopes of making you more comfortable and aware of the issues involved when applying for a home equity loan.

Timothy Gorman is a successful webmaster and publisher of Military-Loans-Online.com. He provides more free loan information that you can research in your pajamas and money saving loan quotes on all of your loan needs to include home equity loan information.

Other websites operated by Tim

Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.

Best-Free-Insurance-Quotes.com. - Provides free insurance information and offers discount home, life and auto insurance.

Dental Insurance: Caring for your Teeth

Brush your teeth before bed. Floss every day. Avoid sugary
foods. These words have been spoken by parents everywhere.
Instilling good dental hygiene habits in your children is
necessity, but once these children become adults, many of them
begin to neglect their teeth. Although it is crucial that your
teeth are carefully attended to in the early stages of life, it
is as important to maintain this care throughout your adult and
senior years. In fact, as you age, a number of issues may
potentially arise that can cause irreparable and often costly
damage. Clearly, caring for your teeth is a lifetime commitment.

Once a child has their first tooth, they are susceptible to
tooth decay. At this early age it is imperative that parents
dedicate themselves to establishing a dental care routine. This
includes regularly paying a visit to the dentist, which dentists
recommend should first take place around the age of one. At the
age of two or three, many children have all their baby teeth.
Sadly, it is not uncommon for a two-year old to develop a
cavity. With a dental hygiene routine in place, this can be
avoided.

In actuality it is not age that causes tooth decay, but neglect.
It is a certain guarantee that adults who do not care for their
teeth will invariably develop dental problems. Unfortunately,
there are serious issues that may arise despite your best dental
hygienic efforts in your adult years and these include:
cavities, gum disease, tooth misalignment, and root decay. While
these issues may be impossible to avoid, you must still exercise
diligence in taking care of your teeth and monitoring them for
signs of trouble.

Undeniably, suffering from cavities or recovering from root
canal can be painful and disruptive to your life. Moreover, in
regards to your teeth, there is not just the cost to your health
to take into account, but also the cost to your wallet. Dentists
are highly trained professionals whose services do not come
cheap. Without financial assistance, many people are forced to
go without dental check-ups and are left to suffer the
consequences.

In Canada, there are very few provinces that offer coverage for
dental services. At best, a province may provide basic dental
care until the age of 12, or may provide coverage in the case of
someone who is receiving social assistance. For a large portion
of Canadians who do not have an employee health plan, the
financial burden falls solely on the individual. Planning ahead
for the cost of braces for your children, surgery for yourself
or dentures as you age is imperative if you hope to avoid costly
expenses. Purchasing dental insurance is your best defense
against expensive dental bills.

Having supplemental health insurance enables you to follow a set
dental hygiene routine that includes regular trips to the
dentist. Dental insurance plans will vary but several exist that
can adequately meet your needs. Opting for a basic supplemental
dental insurance plan for example can provide you 50% coverage
for your first $1,150 of eligible services in your first year of
coverage. This would increase to 80% for the first $300 of
services in your second year.

Whether you are visiting the dentist for a check-up or for an
unexpected dental problem, you should prepare yourself for the
financial cost. Caring for your teeth is a lifelong commitment
and a job that you must take seriously.

Which Loan To Use?

Need to borrow some money then a personal loan maybe for you, most people take a personal loan for home improvements, to purchase a car and holidays. Loans are very simple you borrow a sum of money and pay it back over a period of time say anywhere between 6months to 10 years.

Interest rates on a personal loan are usually at a fixed rate for the lifetime of the loan, this is great, as you know your repayment every month. In the past most people went to their bank for loans, but know the competition is really heating up. The Internet offers some great deals; also have a look in the newspapers and on TV. There has never been a better time to pick up a personal loan, as all the lenders are looking for your business.

There are two different types of loans!

Secured - this loan is usually secured by your home which means if you fail to make the repayments, you could lose your home. On the up side secured loans do offer cheaper interest rates, if you decide to take a secured loan please make doubly sure you can afford your repayments.

Unsecured - this loan means your home is safe if you fail to pay back your loan, you\'ll find it hard to get any more credit, as your credit rating would be poor. Interest rates are usually higher with an unsecured loan as the lender is taking a higher risk in getting their money back.

Loans are much like mortgages it\'s the interest that you\'re paying back at the start, the loan is paid further down the line. One thing to watch out for is if you pay off your loan earlier than agreed you could face penalties. You could be asked to pay back the interest for two or three months, not all companies charge this so best check.

Most loan companies will offer you PPI (payment protection insurance) they will tell you that you need it, and that if you\'re off sick, have an accident or become unemployed they will help to pay your repayments. This is not always the case so please check with your lender as you could end up costing yourself a lot of money, and get nothing back if the unthinkable happened.

So secured or unsecured personal loans which one is best! The two of them really as it all depends on your circumstances. Secured - you put your home at risk if you fail to keep up the repayments, but the interest rates are much cheaper. Unsecured - you\'ll get a bad credit rating if you fail to keep up the repayments, but the interest rates are much higher.

One other thing to remember with regard to a secured loan is that it is as it says, secured, and if you do not keep up repayments you could lose your home. Your home is normally used as collateral against a secured home.

Peter Kenny is a writer for creditcards-gb

For additional articles and an extensive resource for everything about credit cards, please visit us at Credit Cards and Personal Loans http://www.creditcards-gb.co.uk

401K Tax Deductions

The 401K plan is an employer sponsored retirement savings plan in which the employee transfers a portion of his/her wage into the retirement account. This plan allows an employee to save for the retirement without attracting any immediate income tax on the deferred amount. The 401K tax deductions are granted until the money is withdrawn. Usually, the job of monitoring the plan is sourced to a third party controller such as an insurance company, a bank, or a mutual fund. 401K tax deductions can be diverted to investments such as stocks, mutual funds, or bonds. Some companies even allow these deductions to be utilized for purchasing the company stock. The employee may be given a free hand for reallocating the 401K tax deductions into the investment of his/her choice at any time.

Usually offered by companies in the private sector, this plan can also be adopted by self-employed persons and former government entities. In the trustee directed 401K plan, a trustee is appointed to foresee the investment options into which the 401K tax deductions can be diverted. In the participant directed 401K plan, the choice of investment is left to the employee. Some employers may contribute into the plan as an incentive for employees.

Most plan structures sanction deductions up to15% of the employee\'s wages. The maximum pre-tax contribution amount is fixed by the government and adjusted according to the annual inflation rate. In case the employee is 50 years or above, he/she can make extra catch-up contribution amounting to $4,000 each year. Some companies may not permit the extra catch-up contributions.

401K tax deductions help save a considerable amount in federal income taxes. The amount deferred is later taxed during the withdrawal at a rate dependent on the employee\'s post-retirement financial status. The profit earned on the investments is exempted from taxes.

Tax Deductions provides detailed information on Tax Deductions, Federal Tax Deductions, Small Business Tax Deductions, 401K Tax Deductions and more. Tax Deductions is affiliated with Government Tax Liens.

Article Source: http://EzineArticles.com/?expert=SteveValentino

It's High Time for Lifetime Savings Accounts

I\'m constantly reading articles on the internet and in financial magazines in which so-called financial planning experts express perplexity as to why about 30% of employees do not participate in their employers\' 401(k) plans. These writers don\'t seem to have clue. Well, allow me to enlighten them a bit. For the most part, it\'s because of the restrictions imposed on the employees\' money.

Also, because many people never know when they might need access to their money, they are unwilling to tie it up for long periods of time. They would rather give up the tax advantages as well as their employers\' matching contributions than to have those restrictions and age requirements placed on their money.

I know because I was one of those people for many years. I just couldn\'t bring myself to tie up my savings like that until I could see that my retirement was less than 25 years away. Unfortunately, it\'s not advisable or practical to wait that long to start saving for retirement.

It\'s not just 401(k) plans that tend to scare people off. All of the tax-sheltered accounts currently available require us to either use the money the way the government dictates (for retirement, education, medical expenses, buying a house, etc.) or jump through a bunch of hoops (which usually requires extensive knowledge of tax laws or the services of an accountant or tax lawyer) to be allowed to do otherwise.

Anyway, what good would even a 50% average annual return do you if died before you were legally allowed to access those funds? It\'s high time we got a tax-sheltered account which allows us to spend our money when, where, and how we want, without having to ask for anyone\'s advice or permission. After all, it\'s our money and we don\'t need a government nanny watching what we do with it.

So, what\'s the solution? Congress should get busy and pass legislation to create a Lifetime Savings Account option for taxpayers. There is at least one proposal for this kind of account floating around in Congress right now, with more expected soon. These accounts are not be confused with the so-called personal savings accounts that might be a part of any Social Security reform. Lifetime Savings Accounts would not be in any way connected to Social Security.

My version of the Lifetime Savings Account would be just like a Roth IRA in many ways, including the fact that withdrawals would be exempt from federal tax except (1) there would be no income eligibility limit, (2) withdrawals could be made at a time and at any age, and (3) the annual contribution limit would be higher.

During the first year it was available, I would allow a \catch-up\ contribution of up to $50,000 per individual and $100,000 per married couple. This would be an attempt to offset the fact that we should have had this option several years ago. This money could be shifted from a person\'s taxable savings, IRA, Roth IRA, 401(k), or any combination of those vehicles. Beginning in year two, the maximum contribution would be set at $10,000 ($20,000 per married couple) and would be increased a little each subsequent year, based on the inflation rate.

A Lifetime Savings Account would encourage more people to save money, even if just for the short term. More people could afford a bigger down payment on homes and automobiles. More people would likely begin saving for retirement and/or their children\'s education using this kind of account because of its lack of restrictions. Overall, it would be better for our economy.

Write or call your representative and senators and ask them to pass legislation to create Lifetime Savings Accounts. For more information about Lifetime Savings Accounts, see the following link: http://www.lifetimesavingsaccount.com.

Terry Mitchell is a software engineer, freelance writer, and trivia buff from Hopewell, VA. He also serves as a political columnist for American Daily and operates his own website - http://www.commenterry.com - on which he posts commentaries on various subjects such as politics, technology, religion, health and well-being, personal finance, and sports. His commentaries offer a unique point of view that is not often found in mainstream media.

Individual Health and Dental Insurance Things You Need to Know

Individual Health and Dental Insurance has become almost as expensive as health insurance coverage for families these days. There are however several great ways to make sure you are getting the best individual health and dental insurance at the best possible price for your money.

Getting an individual health and dental plan through an employer is one of the best ways to get a reasonable price on your coverage. An individual health and dental plan through your place of employment is a great money saving option because your employer will absorb some of the coverage costs. If you are employed by a small business or work part time and maybe not offered insurance look into the possibility of getting an individual health or dental plan through a labor union or other professional organization. Many groups like these offers coverage plans for very reasonable rates.

If you find that you need to purchase an individual health and dental plan on your own there are several things you can do to make sure you are getting the best possible coverage for your money. First of all you will want to get several quotes from several different insurance carriers. Make sure you understand everything that your individual health and dental plan will cover and do not feel pressured to purchase a coverage plan if you do not understand something.

See if the individual health and dental plan you are interested in has a \free look\ clause. Many coverage carriers offer this clause which offers you about two weeks to look over your coverage plans and if you are not happy with it you can have your premium money refunded to you.

These are just a few simple ideas for you to consider. The Internet offers a huge amount of advice on individual health and dental insurance. You can also ask friends and family to give their opinions on what would be the best individual health and dental plan for you to purchase.

View our Recommended Health Insurance Company, a simple site that has an easy to fill out application. It also has a lot of great info about Home Insurance and Car Insurance

Buying Your First Home but Low on Cash? Read On...

If you are buying a home for the first time and are looking to
apply for a mortgage loan, one of the recommended paths is
through the internet because it is quick and easy. You can also
compare the policies and fees of multiple lenders to find the
best option for your financial situation.

It is very important to carefully choose the mortgage terms that
will benefit you the most. If you wish to borrow as much as you
can against your income, it is probably a good idea to accept an
adjustable interest rate mortgage with low initial payments. For
a more secure loan involving less risk, fixed rates are a viable
option. The length of the loan also affects the interest rate
and monthly payments.

Online research is also suggested because you can request quotes
from numerous lenders, and compare rates and closing costs. If
you plan on moving or refinancing your initial home mortgage,
you should pursue a loan with lower closing costs rather than
focusing on low rates.

Once you\'ve found the appropriate mortgage company, you can also
apply for the loan online even if you haven\'t purchased a house.
Getting pre-approved for the loan is good because you can settle
the interest rates and terms with the lender.

Cheap Medical Insurance

If you want to get a good deal on your medical insurance, there
are a couple of things you should consider doing. Some of them
are optional and some of them are absolutely vital and cannot be
passed by.

The first is to shop around. You really cannot get a good deal
on medical insurance unless you are prepared to shop around and
search the market. Finding out what is available on the market
really is the only way you can know if any particular offer is
good or not and whether or not you should accept it. By getting
to know what kind of offers are out there, you will know what
you should be expecting to pay for what kind of benefits and are
far less likely to get ripped off by making an uninformed
decision on which medical insurance to buy.

You should also consider speaking to an insurance broker. These
will be able to advise you on the plans offered by a wide range
of insurers and let you know what kind of offers are available.
Therefore, they can save you a lot of the legwork of shopping
around since they have access to an array of insurance
companies. They will also have access to preferential rates and
deals since they can bargain with companies and use their
knowledge of the industry to get good deals. They can then pass
these savings on to you in some form or another.

However, even if you are going through a broker, you cannot
forgo shopping around and informing yourself properly of what is
on the market. This is because you will not be sure if the offer
the broker is giving you is any better than that of other
brokers or even of prices you can find your self.

Shopping online is another good idea. The Internet gives you
access to virtually all the insurers in the market. They are
right there at your fingertips and can often give you instant
quotes right there on the website. This means that you can do a
lot of shopping around and get a good idea of what is on the
market just be going on line and visiting their websites.

Medical insurance is a very important purchase for you and your
family. It can determine the level of health care and service
you will have access to in the case of an accident or serious
illness and also represents a significant cost to you when you
pay your premiums. Therefore you should always shop the market
and make sure you are getting as good a deal as possible before
you commit to any one policy.

A Helpful Hand In Hard Times Bad Credit Personal Loans

Nobody is perfect in this world. We all make mistakes while dealing with finances. You miss a few payments and the tag of bad debtor gets stuck to your name. Getting a bad credit has become very common these days. A myth permeates our society, that an individual who has acquired a bad credit cannot get loan in future. The truth is that today even a person with an adverse credit history can obtain a loan. Thus comes the relevance of bad credit personal loans.



A bad credit can occur due to any of the following-:



Arrears

Defaults

County Court Judgments

Bankruptcy



Bad credit personal loans have been designed for the individuals who are going through a financial disaster. These loans are capable to cater to all your personal needs. Whether you want to purchase a car or go out on a holiday. You can even make home improvements, meet wedding expenses or invest in business.



Since bad credit personal loans are given to people having a bad credit history, therefore utilizing the loan for debt consolidation can go a long way in improving your credit score.



Bad credit personal loans can be opted as secured or unsecured loans. The lender of secured loan demands a collateral. If you are not left with anything to place as collateral, you can go for unsecured loan.



Knowing your credit score is important for obtaining favorable rates on bad credit personal loans. A credit score of 600 and below is considered as bad. Generally, late payments lower your credit score. So pay off the easy debts. If your credit report contains certain unsolicited debts, get them removed immediately from a reputed credit rating agency. All inaccurate information must be removed from the borrower\'s credit report. This will help you improve your credit score and get the loan at favorable rates.



In the present era where we have the latest technology internet, choosing the right lender is not a difficult task. Surf through various websites and access infinite lenders simultaneously. Just fill in the online loan application form and the lender will prepare a pocket friendly loan deal for you. You can even use the online loan calculator to get an estimate of your monthly payments.



Though getting a bad credit personal loan may seem tough, but if you satisfy few conditions you can avail the benefits of the loan.



Incurring a bad credit is easier but overcoming it is difficult. One is advised to manage the finances well and not get entrapped in the nasty circle of debt.

Article Source: http://www.articledashboard.com

Amanda Thompson holds a Bachelor\'s degree in Commerce from CPIT and has completed her master\'s in Business Administration from IGNOU. She is working as financial consultant for Chance for Loans. To find a Personal loans, Bad credit personal loans, Debt consolidation loans at cheap rates that best suits your needs visit www.chanceforloans.co.uk

Real Estate High Rise Condos Demystified

Our website gets over 4,000 unique visits per month from people looking for more information on \urban\ properties in Phoenix, Scottsdale, and Tempe and beyond. Of these visitors about 300 call or e-mail me looking for additional information on lofts and high rise condos (defined as ten floors or greater). In general these people are overwhelmed with the number of properties currently available for sale or advertised as \breaking ground\ for new construction in the near future. They spend hours on the web researching their options but mostly reading a bunch of hype. Finally, they\'ll call or e-mail me to get the real story. Here\'s what I typically tell them.

For the most part, if you want high rise your first decision is whether you prefer an older building or a newer one. Older units typically sell for no more than $350 per foot while the post 2000 era buildings START at $450 per foot and go way up. There are six buildings which fit into this category. They are: Executive Towers, Landmark Towers, Crystal Point, Embassy, Regency House High Rise, and Phoenix Towers. If the price or style of older buildings sounds like your speed then you are geographically limited to the Central corridor, starting at approximately Camelback Road and then south to about Roosevelt. For your dollar you will get thirty to forty year old common areas (although a couple of the buildings have had recent facelifts), SOMETIMES antiquated air conditioning systems (master chiller systems vs. individual heat pumps), SOMETIMES common laundry facilities vs. individual laundry hookups, and SOMETIMES only one parking space vs. two or more.

NOTE: THE exception to all this is Crystal Point, built in 1990, which has all the modern amenities plus THE BEST VIEWS IN TOWN. Dollar for dollar I\'ll put this building up against anything in the valley, new or old. Once you figure this out you just have to narrow down which building you like the most and then wait to find the unit that is just right for you. In most buildings you\'ll have a choice between completely renovated units (for a higher price) or a lower priced unit which needs work.

With newer high rise buildings you will ultimately have more choices. However, today there are only three newer high rise buildings in the entire Valley which are completed and ready for occupancy. They are: Esplanade Place High Rise, Optima Biltmore, and Orpheum Lofts (high rise). Everything else is either under construction or in the dream/planning stage. Buildings which are currently under construction include: 2211 Camelback, Optima Camelview, Portales Place, Scottsdale Waterfront, and Hayden Ferry Edgewater and Hayden Ferry Bridgeview. I have intentionally omitted a couple buildings which have construction fencing around the property but very little happening at the sites. Again, keep in mind that prices in these newer buildings start in the low $400 per square foot range so a relatively small 1,000 square foot home will be $400,000 and up.

I think you\'ll agree that if you are truly interested in enjoying high rise living in the Valley that the choices are not over whelming. Once you cut through all the hype you can see that there are only a handful of projects that might work for you. At that point you can really get focused and hunt for that perfect home.

Copyright 2006 Will Daly. All Rights Reserved.

Will Daly, a Realtor with RE/MAX Excalibur in Phoenix and owner of the marketing labels http://WeKnowUrban.com/ and http://CondosPhx.com/ combines years of experience, a thorough understanding of current real estate markets, and cutting edge technology to provide his clients the best advice for proven results. He specializes in Loft and High Rise Development/Sales and Condo Conversions. You may reach him directly at (480) 510-8755 or by visiting his blog at http://We-Know-Urban.blogspot.com/

Outside Pressures On The Typical Insurance Adjuster

Insurance adjusters are not without outside pressures they must deal with every day of their work life. It would be advantageous for all readers to be aware of the most important of these because they could put money in your bank.

The first of these is your State Department Of Insurance. Every state has a Department, or Commissioner, or Bureau of Insurance that overseas the antics of all Insurance Claims Adjusters and their superiors in that particular state. Each has a Consumer Complaint Division. If the adjuster you've been dealing with has refused to make any offer at all, has engaged in what you consider to be unethical conduct, or has made what you believe to be a ridiculously low offer, you have cause for a complaint.

The mere mention of a complaint to the State Department of Insurance may bring the adjuster around to making a better offer. Adjusters would rather not have to deal with a complaint and they positively don't want copies of them ending up in their personnel file !

Your complaint to the State Insurance Department will accomplish several things. First, his boss will now become aware that there's a claimant who intends to do whatever it takes to obtain some positive settlement dollars. That will often inspire that person to take a closer look at your case and come up with a better offer. Also, if indeed you write to the Consumer Complaints Division, it will evolve into what's always a costly effort because a complaint with the State Insurance Department will add an additionallayer of work, supervised by an extra contingent of personnel. When it's realized this will likely come to pass they'll try harder to get rid of you and settle your claim.

The vast majority of insurance adjusters dream of one day being promoted to a higher position within the company they work for. They're acutely aware of the fact if their personnel file has correspondence flowing into it from claimants they've handled(plus copies of the letters which have been sent to the insurance commissioner) and those will, somewhere down the line, be read by one of his companies executives. In many instances this will be a man who doesn't want a Problem claims employee spluttering, splashing and crashing about his office area causing headaches and extra work within the framework of that particular executive's command. The adjuster is fully aware that such complaints will keep him, out on the road forever,and will surely prevent him from moving up the corporate ladder.

OTHER CRUCIAL ISSUES THAT THE ADJUSTER IS AWARE OF

When it comes to the reality of the way things work in the actual, daily, experience of personal injury claim negotiations and settlement, is often vastly different from the stipulations found in the Formal law. That is, legal theory, as it's written and allegedly supposed to work. What this means, simply stated, is: Adjusters can settle a case, whether their decision to do so is based on The Law, or not.

In the real world of Personal Injury settlements a Compromise (one which often has little and often nothing to do with The Law) is the order of the day. It's commonly accepted among those is the business (because that's what makes their work life so much easier) that in any given case there's almost always a likelihood of negligence on both sides, rather than just one. What this boils down to in practical terms, is this: Irregardless of the law practically no claim is without merit or totally lacking in value - - especially if the Value is simply to get rid of it. QUESTION: How does Dan Baldyga know this to be true? ANSWER: Because he was an Insurance Adjuster, Supervisor, Manager and then Trial Assistant for over 30 years. He's been there, and observed that.

Although it's never expressed to him officially every adjuster quickly learns, should your case go to trail, compromise will usually be the order of the day, even in cases of questionable liability . This fact alone gives him plenty of room to make a compromise settlement before your case ends up in his Defense Attorney's hands where such a move will usually take place anyways! Why will this come to pass? Because the costs of preparing for(and then proceeding into)a courtroom battle will skyrocket.

Being aware of this is always bubbling and boiling in the gray matter between every adjusters ears. If there's any question whatsoever (regarding who was at fault in the accident you were involved in) don't ever give up. Keep pounding away! When faced with a determined claimant who's willing to wait and haggle and refuses to go away, the chances are the adjuster will eventually make an offer.

This comes to pass because the adjuster(especially if your claim has some value) doesn't want it to end up as a complaint at the State Department Of Insurance. Plus he knows you'll be made, a settlement offer, somewhere down the line, anyway! So, better he settle it now, before the cost of defending it gets blown out of proportion, later.

In order to continue to look good (especially to those who watch their progress and the way they handle the outside pressure's that haunt every one of them)insurance adjusters - - who want to climb their corporate ladder to success - - must be very cagey individuals who must work hard to please those they work for. For you to understand this will most assuredly be to your financial advantage.

Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved

DISCLAIMER: This insurance claim article, OUTSIDE PRESSURES ON THE TYPICAL INSURANCE ADJUSTER is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever, NOR does he purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL'S RESPONSIBILITY to obtain it.

Dan Baldyga's third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com. or http://www.caraccidentclaims.com. This book reveals How To successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the Pain and Suffering you endured - - because of your personal injury.

Dan Baldyga - Author

19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733-0127 FAX: (413) 731-8358
Mail To: dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found On The Internet At: http://www.caraccidentclaims.com

Or: http://autoaccidentclaims.com

About The Author

For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and trial assistant.He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so the will not be taken advantage of. Mail to: dbpaw@comcast.net