Life Insurance – Do You Need It? by Vickie J Scanlon Many people are skittish about life insurance, because they feel that it is useless, or it makes them face their mortality, or they may arrogantly think that they won’t die. But let me reassure you, life insurance is not only useful, but also essential if you’re young or old, or have a young family. Life Insurance should definitely be one piece of your financial portfolio. BENEFITS OF LIFE INSURANCE 1) Protects your family – If you should die prematurely a life insurance policy will gi ... Your Portfolio and “Old Ironsides” by Kemberly Wardlaw The USS Constitution first ventured into the waters in 1798. From there she became an icon of durability and success. In battle, the ship became known as “Old Ironsides” because the shots fired from enemy ships seemed to bounce off her hull. She may be best remembered for her service in the War of 1812. Today, the loyal ship may be found resting quietly in the Boston Harbor. During the week of the Fourth of July, at the Boston Harborfest, “Old Ironsides” makes her annual voyage down the h ... Helping Your Prospects Overcome �Buying Fears� By Using Testimonials by Joe Farinaccio You DO use direct marketing for your small business� right? If so, you�re taking advantage of the most cost-effective means of advertising available. (Yes� I�m biased� I admit it!) Let�s talk for a minute about how you can make your sales copy and direct marketing more effective. One of the simplest yet most powerful ways to strengthen your sales copy is to include testimonials. The purpose of having testimonials is to add �objective� credibility to your promises. And ... The Center of your Internet Business, You by Ispas Marin As an Internet entrepreneur your ultimate goal is most certainly the success of your Internet business but statistics show that real money are made by a small percentage of the online businesses. An Internet business takes a great deal of time and effort, it's not easy to build and maintain it and you need total commitment to succeed. Lack of complete passion for your business and of the desire to succeed will most likely result in failure. As the center of your online business, the Internet ... What exactly online recruitment agencies do ? by Ispas Marin Any online recruitment agency can help you to submit for vacancies to the agency by employers. Online recruitment agencies are used by employers for many purposes. Get help with the recruitment process, conceal recruitment activities from competitors, recruit for a new type of post for which they have no expertise. Anytime you register with an online recruitment agency keep in mind that the primary client for them is the employer, not you. Also, always check the security of the site, as ... Make Profits off of Anything! by Waheed Adegbite What is your talent? Are you a good writer, a good artist, good singer/rapper, are you a good athlete. Take some time think about what your talent is. Now have you ever thought bout making money with your talent. Yes, no, maybe? Maybe, yes because you're a good athlete that wants to go pro and make some big bucks. Maybe, no because you have some other talent that seems like something stupid know one could ever make money with. Maybe you've thought about it, but never given it a serious thought. ... Book Review: Manners That Sell by Bonnie Jo Davis About The Book: Title: Manners That Sell: Adding The Polish That Builds Profits Author: Lydia Ramsey Publisher: Longfellow Press, Savannah, GA Publisher Address: P.O. Box 16545, Savannah, GA 31416, 912-598-9812 ISBN: 0-9670012-0-X Price: $19.95 Date: 2000, Page Count: 188 This beautifully laid out trade paperback has a gorgeous and practical design both inside and out. I recommend you read this book with a highlighter and a pen and be ready to take copious notes in the bla ... Discover the Parts of a Credit Report and What They Mean by Cathy Taylor So you ordered a copy of your credit report to check for inaccuracies and get the most from your credit score. Now how do you read it? Your credit report is read and used by any number of people you deal with on a daily basis, from your landlord to your employer to a potential lender. Fortunately, it has gotten easier to order a copy of your report, but it’s not so easy to understand what all those abbreviations and numbers mean once you’ve got it. If you haven’t ordered your credit report y ... How to Evaluate and Raise Your Credit Score by Cathy Taylor Why do some people get offers for pre-approved credit cards and others don’t? What do car dealers know about your financial health that you don’t know? The answer is your credit score. Your credit score is a number generated by a mathematical formula to estimate how likely you are to pay your bills. Based on the information in your credit reports from the three credit bureaus, Equifax, Experian, and TransUnion, your credit score has been a factor in your ability to qualify for loans and good ... Identity Theft – How Can You Prevent It Happening to You? by Cathy Taylor The nightmare of identity theft strikes an estimated 750,000 people every year. How can you keep from being one of them? While there is no guarantee that you won’t become a victim, there are some steps you can take to decrease the risk and protect yourself. According to the Federal Trade Commission, some everyday tips to protecting your personal information include: • Not giving out your personal information to a stranger over the phone, the Internet, or through the mail. Your Social Secur ... What Are the Most Common Ways to Commit Identity Theft or Fraud? by Cathy Taylor It’s the number one source of consumer complaints at the Federal Trade Commission (FTC), and unfortunately, it’s one of the simplest crimes to commit. Identity theft involves information from your daily life, from shopping, bill-paying, and even applying for a job. Thieves take advantage of everyday opportunities to discover your personal information, including your Social Security number (SSN), bank or credit card account numbers, income, name, address, or phone number, and use it to commit fra ... What Can Happen to You as a Victim of Identity Theft, Facts & Figures by Cathy Taylor Is identity theft really that serious? Thousands of people every year are victims of this terrible crime. Thieves use your personal information to commit fraud or other crimes in your name and can cause significant credit damage. Identifying information taken without your permission, such as your Social Security number (SSN), credit card number, or your drivers’ license, can be used to “steal your identity.” The effects of identity theft are much greater than most people suspect. Victims can ... What Happens When Your Credit Is Damaged? Do You Have Recourse? by Cathy Taylor The good thing about bad credit is that you can fix it. If you start now, over time, your bad credit can turn into good credit, and you could qualify for the loans you want at the rates you want. The most important aspect of rebuilding your credit after it has been damaged is showing lenders and creditors that you are serious about repaying your debt and that you can be a reliable borrower over a significant period of time. Negative account histories remain on your credit report for up to 7 ... What Is a FICO Score and How Do I Make It Work for Me? by Cathy Taylor Whether or not you receive a loan and what interest rate you get on your credit card may be determined by something called a FICO score. Named for Fair, Isaac & Co., a California-based company that developed the credit score, the FICO score is the most widely used scoring method to determine credit worthiness. Scores range from approximately 300 to 800 and are provided to lenders by the three credit bureaus, Equifax, Experian, and TransUnion. You also have access to your FICO scores, but will ... Discover What to do When Your Credit Worth is Damaged Due to Circumstances out of Your Control by Cathy Taylor First of all, let’s examine exactly what credit worth means and how it affects your financial life. Your credit worth, as defined by the financial industry, is the overall picture of your financial health that is used by lenders to determine your ability to repay debt. By looking at a combination of factors, lenders, such as banks, credit card companies, and utility companies, estimate how worthy you are of receiving a line of credit or regular services based on a payment schedule. The mos ... What Is the Fair Credit Reporting Act and What You Should Know About It by Cathy Taylor The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you? When you make purchases on a credit card, make payments to your accounts, open new bank or credit accounts, borrow money, buy a house or a car, and even fund your education, your financial information is reported by cr ... Build Your Rolodex of Networking Contacts by Linda Matias How important is networking in your job search? Take a look at the astonishing numbers surrounding how job hunters ultimately become gainfully employed. 14% of job hunters get jobs through newspaper classifieds. 13% of job hunters get jobs through employment agencies. 5% of job hunters get jobs through career services on college campuses. NEARLY 64% OF JOB HUNTERS GET JOBS THROUGH NETWORKING! Does this mean that you should concentrate only on networking and neglect all other resou ... Stock Market Volatility by Charles M O'Melia You have permission to publish this article either electronically or in print, free of charge, as long as the author bylines are included. A courtesy copy of your publication would be appreciated. Please mailto:charles@thestockopolyplan.com (Word Count 325) Stock Market Volatility In my opinion, due to the volatility of stock market prices (the rise and fall of stock prices), an investment plan should incorporate both the traits of stick-to-itiveness and common sense, and mu ... Choose The Best Full Service Moving Companies For You by Ispas Marin Trying to choose a mover that seems perfect for you has become rather complicated this days. All this because there are so many full service moving companies and it's hard for you to decide which one of them will best fit to your needs. Here are some helpful tips for choosing a moving company that will deliver your stuff without any incidents. First of all you should get an estimate. The majority of full service moving companies will give you an estimate but its's better for you to have a ... Kentucky First Time Home Buyer by sapna Kentucky First Time Home buyerOffers comprehensive information tips and advice for Kentucky first time home buyer. Also, find how to secure best mortgage for purchasing home at lowest interest rates. Author's Biography: ... 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Author's Biography: Refinance mortgage rates are low kymortgageloans and offered at best terms at lowest possible rates. ... Refinance Mortgage rates by padmini Refinance mortgage rates are low kymortgageloans and offered at best terms atlowest possible rates. Author's Biography: ... |
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