All You Need To Know About Adverse Secured Loans

All You Need To Know About Adverse Secured Loans
Adverse secured loans are loans made available at higher
interest rates to people who have a less than perfect
credit history for providing collateral against the loan
advanced. These borrowers do not qualify for the best
market interest rates because of a deficiency in their
credit history. An adverse credit history usually means
that the borrower has a history of County Court Judgments,
defaults, missed payments on a mortgage or secured loan
arrears or non-payment /arrears related to some unsecured
credit.

Lenders give out adverse secured loans at premium rates
i.e. at much higher interest rates to compensate for being
exposed to a greater risk by lending to a borrower with
adverse credit history as compared to the risk in a loan
given to a borrower with a good credit history. Adverse
credit is also known by other terms like bad credit, poor
credit or sub-prime. Sub-prime refers not to the interest
rate charged on the loan but to the credit status of the
borrower.

Sub-prime lending is called predatory lending as lenders
disburse these loans fully understanding that such
borrowers may not be able to meet their repayment
obligations and would default on the loan. They realize
that this will give them an opportunity to foreclose and
seize the collateral. Lenders usually required a borrower
to pledge his/her home as collateral against an adverse
credit secured loan. Sub-prime lending forms a sizeable
portion of the UK secured loans market. Experts opine that
properly disbursed adverse secured loans are a boon for
families with less than perfect credit histories. Wrongly
done, they are a huge rip-off siphoning wealth and hope
from people with very little to begin with.

There are no fixed criteria for the approval of an adverse
credit loan as different lenders take a different view of
the reasons for the bad credit of the borrower. Nearly all
lenders consider CCJs, but many will ignore them if they
have exceeded a certain age. Some ignore payment defaults
altogether. One major factor affecting the approval of an
adverse secured loan is the way in which a secured loan
account (if the borrower has one currently) has been
handled over a particular period. This factor can also
influence the rate at which the loan will be offered, if
approved, as this affects the degree of repayment risk
associated with the loan.

With so many factors affecting adverse secured loans it
becomes extremely difficult for an average borrower
standing in need of such a loan to find one that ideally
fits his needs and individual situation.

As such, it would be best to seek the services of a good
secured loan packaging company. They are aware of the
approval criteria for a variety of lenders and can save a
borrower a lot of time and hassles.

----------------------------------------------------
Graham Bradlington is the marketing manager for Quickly
Finance Limited, a company which specialise in Fast track
Secured Loans & Remortgage for homeowners. Quickly Finance
is 100% independent & can search the whole market for the
best deals. For more info: http://www.quicklyfinance.com

Credit Cards messed up my Credit, why do I need them?

Credit Cards messed up my Credit, why do I need them?
Credit Cards may have been the reason your credit got the
way it is. So you decided not to ever have a credit card
again. I know credit cards are evil, but they are a
necessary evil to establish credit. Let's assume you have
messed up your credit report with credit cards in the past.
So now you must re-establish your credit. What is the
quickest way to establish new credit? Most people don know
this but credit cards help your credit rating. So you need
1 to 2 cards reporting to your credit report. Ok, but back
to the re-establishing credit after some credit issues. You
need to go get a Secure Credit Card, this is the quickest
way to get your credit score on the rise. Yes, you need to
deposit money with the bank, but it's your money, and you
quickly start the process of reporting good credit to all 3
bureaus. Here are some great secure credit cards I highly
recommend that does not have a bunch of outrageous fees.
1. Orchard Bank
2. First Premier Bank

These two Secure Credit Cards usually start reporting to
the Bureaus to establish good credit with in 60 days. These
cards will quickly allow you to get your Credit Score in
the right direction. I have talked about how to keep your
balances low and what percentage of the allowed credit to
charge up. You want to keep your balanced that is charged
on your card 30% or less of allowed credit limit. While you
are dong all of this, you can keep in the back of your
mind, that every six months these credit card companies
usually will allow you to ask for credit limit increases as
long as you are in good standing. Remember once your
balanced owed drop below 30% of your allowed credit limit,
your credit scores will increase.

Who cares if you have had problems in the past because of
credit cards, I am sure by now you have learned not to make
the same mistake twice. Credit Cards are necessary to get
the better rate on that loan; it is another way to show
your ability to pay back a creditor that has extended
credit to you. This is what Credit Reports are all about,
who is reporting you, and your ability to pay back
obligations. In a nutshell credit cards are necessary so if
you don't have one I would get the process going.

----------------------------------------------------
About the Author: Mike Clover is the owner of
http://www.my720fico.com . My720fico.com is one of the most
unique on-line resources for free credit score reports,
Internet identity theft software, secure credit cards, and
a BlOG with a wealth of personal credit information. The
information within this website is written by professionals
that know about credit, and what determines ones credit
worthiness.

How Chapter 7 and Chapter 13 Bankruptcies will affect your Credit Score.

How Chapter 7 and Chapter 13 Bankruptcies will affect your Credit Score.
Your Credit Score will be affected whether you file Chapter
7 or Chapter 13. But which is worse on your Credit? In this
article I will discuss the Pros and Cons in regards to how
each bankruptcy will affect your personal credit rating.
Over the years in the Mortgage Industry I have dealt with
the affects of these different bankruptcies, and how each
one affected your ability to get financed. I know that each
has its purpose, but I do know which one I would not file
personally.

A chapter 13 bankruptcy is where the lawyer gets most of
your debts consolidated into a payment you can afford. You
make these payments to a trustee for a period of time. This
particular bankruptcy is the one I would prefer over
Chapter 7. One of the main reasons is the lenders look at
Chapter 13 less harshly than a Chapter 7. The main reason
is you are attempting to pay back your debts. You can get a
mortgage if you are in a Chapter 13. You cannot get a
mortgage if you filed Chapter 7 for usually 2 years.
Chapter 13 stays on your credit report for 7 years. A
chapter 7 stays on your credit report for 10 years. So you
can begin to see how a Chapter 7 is going to affect your
credit rating vs. Chapter 13. Typically Chapter 7 sounds
like the better way to go, but think twice before you file.
Once you make your decision, the last thing you want to do
is have regret, because of the credit impact each one has.

Chapter 7 is where you wipe out all debt and there are no
requirements to pay back your debts what so ever. There are
big repercussions to your credit score when you file
Chapter 7. Chapter 7 is the ultimate death of your personal
credit. This particular bankruptcy stays on your credit for
10 years. There are certain situations where you must file
Chapter 7. but if you don't have to file chapter 7 don't.
This bankruptcy takes more time to recover from, and
lenders don't like seeing it on your credit report.
Typically it is easier to re-establish your credit with
Chapter 13 vs Chapter 7. So I think you get the picture how
your credit is affected either way. It is always better to
pay your debts back if you can, and not file Bankruptcy at
all. Just remember your Credit is your life.

----------------------------------------------------
About the Author: Mike Clover is the owner of
http://www.my720fico.com . My720fico.com is one of the most
unique on-line resources for free credit score reports,
Internet identity theft software, secure credit cards, and
a BlOG with a wealth of personal credit information. The
information within this website is written by professionals
that know about credit, and what determines ones credit
worthiness.

Business Loan and Commercial Mortgage Investment Fundamentals

Business Loan and Commercial Mortgage Investment Fundamentals
As many investment experts will tell you, there are several
compelling reasons to consider business finance and
business opportunity investing. A primary incentive to
explore business financing options is the ability to
finance a business loan or commercial mortgage with income
generated by either the business or the commercial real
estate investment property. Another key investing
attraction is the ability to either include or exclude
commercial real estate from the commercial loan process.

The recent negative investment climate for residential real
estate investment property has provided investors with new
reasons to explore investing in business opportunity and
business finance options. This report will offer some
guidance for business financing and commercial mortgage
loans plus an overview of primary reasons for exploring
possibilities to buy a business or commercial investment
property.

Business Finance - Investing in Unique Businesses and
Special Purpose Properties

Commercial real estate and business opportunity choices
include special purpose situations such as funeral homes
and golf courses. The unique characteristics of such
business investment options translate to enhanced
possibilities to differentiate a commercial business and
provide added value.

Of course specialized business real estate investing does
require special purpose business finance solutions such as
golf course financing and funeral home financing. The
ability to arrange a business loan or business opportunity
financing that is appropriate for both the business owner
and the business itself will be a critical ingredient in
business investment success.

Buy a Business with an SBA Loan for a Commercial Mortgage
and Business Opportunity Finance

The option to use SBA financing (Small Business
Administration loan) provides a business loan choice not
available for residential real estate investing. This form
of business financing is available to new business owners
and can prove to be instrumental in purchasing a business
opportunity or commercial real estate investment.

Business Opportunity Financing Without Real Estate
Investment Property

Purchasing a business opportunity does not involve
commercial real estate. This means that business finance
value will be driven by the business rather than real
estate, and the absence of a commercial mortgage can prove
to be a significant advantage in a declining real estate
market.

Business Loan - Commercial Investment Value Driven
Primarily by Income

In comparison to residential real estate investment
property value depending primarily on location, commercial
real estate and business value is primarily determined by
business income. This results in less sensitivity to local
real estate property value trends. A business opportunity
loan and commercial real estate loan will depend upon a
business appraisal that will evaluate the recent business
income levels.

Commercial Loan Precautions - Business Financing Problems
to Avoid

Just as there are unique and substantial positive benefits
associated with buying a business or commercial real estate
investment property, there are also a number of special
business loan and commercial mortgage problems to avoid
when arranging business financing. For those most familiar
with investing in residential real estate, it is important
to note that there are over 25 differences between
commercial financing and residential investment property
financing. With each critical difference, there is a
significant potential commercial loan problem to anticipate
and avoid.

----------------------------------------------------
Steve Bush is a commercial real estate investment loan
expert - learn how to avoid business finance mistakes and
find out about business opportunity loan strategies at AEX
Commercial Financing Group =>
http://aexcommercialfinancing.com

Can You Really Get Credit Cards With Bad Credit?

Can You Really Get Credit Cards With Bad Credit?
If you're one of the consumers wondering whether or not you
can really get credit cards with bad credit, you're not
alone. Millions of people have had credit problems and the
fact of the matter is that the people with credit blemishes
outnumber those with perfect credit scores. The trick is in
finding the credit cards that will treat you with the
respect you deserve. Here are three things to look for.

1. The Fees

If you've got a tarnished credit history, it's not the end
of the world. It is possible to get credit cards with bad
credit. The problem is that there are good, bad and
downright ugly credit card companies out there and you've
got to learn how to tell one from the other.

When looking at a bad credit credit card, you need to look
at the fees and charges before you look at anything else.
Some credit card companies are honest and ethical. Others
are not and they will nickel and dime you to death if you
let them.

Some credit card companies charge those with credit
challenges a modest annual fee ($60 or less) while others
charge annual fees in addition to ridiculous processing
fees, application fees and enrollment fees. Before you know
it, you've paid $250 in fees for a credit card with a $300
credit limit. Your fees have almost maxed out your credit
limit and the card isn't even in your wallet yet!

If you want to make sure you're getting a good credit card,
make sure the fees are reasonable -- no matter how bad your
credit is.

2. The Terms

I've seen credit card offers for people with bad credit
with interest rates as low as 9.99 percent. The problem is,
these fees aren't fixed rates. It's a "teaser" rate that
jumps up to 20 or 30 percent when the "intro period" is
over. Oftentimes people who need credit cards with bad
credit care apt to jump at this type of deal. That's a big
mistake.

If you don't want to find yourself paying two or three
times as much interest as you intended to, make sure the
credit card you're applying for has a fixed rate -- not an
intro rate. If you have damaged credit, you're going to
have to pay a higher rate. If a rate sounds too good to be
true, it probably is.

3. The Type of Card

Now this should go without saying, but it's probably a good
idea to mention it anyway -- a prepaid credit card is not
really a credit card. It's a gift card with a credit card
logo on it.

If you want a credit card to rebuild your credit rating, a
prepaid credit card isn't going to do it. They don't report
your account activity to the credit bureaus and it's not
going to do your credit any good. You need either a
traditional unsecured credit card or a secured card -- not
a prepaid card.

So if your question is whether or not you qualify for a
credit card, the answer is most likely yes. The real
question is, which of the credit cards should you go for
and which should you avoid? These three tips will help you
find the available credit cards with bad credit while
avoiding the common pitfalls of this segment of the credit
card industry

----------------------------------------------------
For more tips on bad credit credit cards, saving money and
avoiding getting taken, check out the bad credit credit
card section at CreditCardTipsEtc.com, a website that
specializes in providing credit card tips, advice and
resources.
http://www.creditcardtipsetc.com/bad_credit_credit_cards

History of the Forex Market

History of the Forex Market
Money, in one form or another, has been used by man for
centuries. At first it was mainly gold or silver coins.
Goods were traded versus other goods or against gold. So,
the price of gold got a reference point. But as the trading
of goods grew among nations, moving quantities of gold
around places to settle payments of trade became
cumbersome, risky and time consuming. Therefore, a system
was sought by which the payment of trades could be resolved
in the seller's local currency. But how much of buyer's
local currency should be equal to the seller's local
currency?

The answer was simple. The strength of a country's currency
depended on the amount of gold reserves the country
preserved. So, if country A's gold reserves are double the
gold reserves of country B, country A's currency will be
twice in value when exchanged with the currency of country
B. During the first World War, in order to meet the
tremendous financing needs, paper money was created in
quantities that far exceeded the gold reserves.

After the cease of World War II the western allied powers
tried to resolve the problem at the Bretton Woods
Conference in New Hampshire in 1944. In the first three
weeks of July 1944, delegates from 45 nations gathered at
the United Nations Monetary and Financial Conference in
Bretton Woods, New Hampshire. The delegates gathered to
discuss the postwar recovery of Europe as well as a number
of monetary issues, such as unstable exchange rates and
protectionist trade policies. In the early 1940s, the
United States and Great Britain developed proposals for the
creation of new international financial institutions that
would stabilize exchange rates and promote international
trade.

The delegates at Bretton Woods arrived at an agreement
known as the Bretton Woods Agreement to establish a postwar
international monetary system of convertible currencies,
fixed exchange rates and free trade. To help these
objectives, the agreement created two international
institutions: the International Monetary Fund (IMF) and the
International Bank for Reconstruction and Development (the
World Bank). The aim was to render economic aid for
reconstruction of postwar Europe. An initial loan of $250
million to France in 1947 was the World Bank's first act.

Under the Bretton Woods Exchange System, the currencies of
active nations could be changed into the US dollar at a
fixed rate, and foreign central banks could change the US
dollar into gold at a fixed rate. It was similar to forex
trading.

The United States, under President Nixon, retaliated in
1971 by devaluing the dollar and pushing realignment of
currencies with the dollar. The heading European economies
tried to counter the US move by adjusting their currencies
in narrow band and then float jointly against the US dollar.

Fortunately, this currency war did not last long and by the
first half of the 1970's heading world economies gave up
the fixed exchange rate system for good and floated their
currencies in the exposed market. The idea was to let the
market determine the value of a given currency based on the
demand and supply of the currency and the economic wellness
of the currency's nation, it sown the forex trading. This
market is popularly known as the International Monetary
Market or IMM. This IMM is not a single entity. It is the
collection of all financial institutions that have any
concern in foreign currencies, all over the world. Banks,
Brokerages, Fund Managers, Government Central Banks and
sometimes individuals, are just a few examples.

Although the currency's value is dependent on the market
forces, the central banks still try to keep their currency
in a predefined (and highly confidential) fluctuation band
as a part of their forex trading strategies. They achieve
this by taking several steps.

----------------------------------------------------
Andrew Daigle is the owner and author of many successful
websites including a free forex training website called
ForexBoost at http://www.ForexBoost.com and a forex blog
http://forex-trading-system.typepad.com to learn forex
trading systems and strategies.

How to Become a Young Millionaire

How to Become a Young Millionaire
Youth has its advantages and one of the biggest rewards is
a powerful force that will almost ensure you become a young
millionaire. There are simple steps you can take, when
your young, that will help you harness the power of this
force; making becoming a millionaire a breeze.

Just by following a consistent investment plan you could be
enjoying the freedom that comes with being a young
millionaire. A simple investment, in the overall stock
market, could help you to retire young. Consider these
examples:

- $149 invested each month starting when your 18 years old
could make you a young millionaire at age 52.

- $687 invested each month starting when your 18 years old
could make you a young millionaire at age 40.

Financially educated youth have tremendous advantages that
average young adults don't have. Just by being aware that
you can retire young with a simple investment strategy is
enough to encourage some to take the necessary steps to
reach young millionaire status.

Becoming a young millionaire is easy when you start young
because you have the power of 'compounding interest' on
your side. Compounding interest is defined as the interest
earned from the initial money you personally invested plus
the interest earned from the amount your investments have
already returned. To clarify, the money that you already
made from your investments starts to earn you money. So,
year after year, you're making money off money you already
made.

By starting to invest young you are able to fully harness
the power of compounding interest. Because you're making
money (earning a return) on what your investments have
already paid you, the younger you start the faster and
larger your investment account may grow. That's why
investing young gives you a huge advantage.

1) Savings. The first step on the road to becoming a young
millionaire is to set up a simple savings plan. Pay
yourself first by setting money aside into an investment
before you start spending your paycheck. Getting in the
habit of paying yourself first will benefit you your entire
life and will help you retire young.

2) Invest young. Don't get caught up in thinking
'investing' is hard; it's actually easy. There are simple
investments, available to the inexperienced, that will get
you started investing young.

The stock market offers some investment vehicles that are
lower-risk while offering the potential for long-term
gains. One type of investment vehicle is known as broad
based market index investments. These are investments in
the overall market like the S&P 500 and NASDQ 100. For
example, you can invest in all 500 stocks of the S&P 500
with one simple investment index investment vehicle. The
S&P 500 index is one way for the non-professional investor,
that doesn't have a lot of knowledge or time, to profit
from the stock market.

3) Consistency. Simplicity equals consistency; and
consistency is a major factor in becoming a young
millionaire. Choosing a simple investment vehicle is the
first step. Next it's simple a matter of modifying your
investment account so your make consistent investments
automatically.

There is a basic investment technique called 'dollar cost
averaging'. You can set up your dollar cost averaging plan
so that it will automatically invest a set amount of money
at a set time each month. The best part is that once this
structure is set up you can sit back and just review your
monthly statements. With a consistent investment plan you
could reap huge profits over a long-term.

4) Multiply your money. The basic stock investment method
mentioned above will get your money working for you
immediately. If your looking to retire young and a become
a young millionaire even faster, there are ways you can
supercharge your returns. Learn about the investment
vehicles discussed below and you will be able to afford the
things you want sooner and achieve wealth at a faster pace.

A. Real estate. Real estate investments can be credited
with making the majority of young millionaires. It gives
you the power of leverage so you are making money of money
the bank loaned you. When done right you could expect to
double your investment each year! Just by purchasing real
estate while you're young could easily make you a young
millionaire.

B. Entrepreneurship. It's never been an easier time in
history to start a business. Plus now day's you can have a
global company with small initial investment. When you
start a business you are not only making money from the
business but more importantly you are building something of
value that can be sold.

You could start a business that earns you an extra few
hundred a month or one that is your entire source of
income. Either way it can help to secure your financial
future plus give you greater cash flow now. What's more,
there are tax benefits available to business owners that
will keep more earned money in your pocket.

Becoming an entrepreneur can help you become a young
millionaire and give you the luxury of being able to retire
young.

The sooner you start investing the sooner you can become a
young millionaire. You will find with a consistent
investment plan retiring young will be easy. You have the
power of compounding interest on your side that will do
most of the work for you. The best part is you will be
able to do what you want when you want, retire young, have
free time and be able to afford the things that you really
like. Start now and the take steps to become a young
millionaire today!

----------------------------------------------------
Vince Shorb, the leading financial literacy advocate and
young America's success coach, guides young adults
step-by-step to become young millionaires. He developed
the first multi-media course, 'Financially Free by 30',
that gives them exact plans to retire young. Go to
http://www.FreeBy30.com now to access exclusive free videos.

Using Cap Rates in Real Estate Investing

Using Cap Rates in Real Estate Investing
If you are new to real estate, you are probably wondering
about some of the terms you have heard at your real estate
investment group or seen on the Internet. Understanding
these terms is important to successful real estate
investing. One of these terms is "Cap Rate." Cap Rate is
short for Capitalization Rate. Effectively, the Cap Rate
is the rate of return provided, prior to financing, by the
cash flow of an investment property.

The equation to determine the Cap Rate (CR) of a property
looks like this:

NOI/FMV = CR, where NOI is net operating income from the
property and FMV is the fair market value of the property.

Let me give you a simple example.

Suppose you purchase a property for $500,000. And suppose
your net operating income, after operating expenses but
before any interest, principle or depreciation, is $50,000.
Your Cap Rate is 10%, i.e., 50,000/500,000.

Now, this is your Cap Rate because you know what you paid
for the property and you know its cash flow. But, what
about the Market Cap Rate? The Market Cap Rate is the
average Cap Rate that an investor in a specific market
expects for a certain type of property.

You may wonder, "What is the significance of the Market Cap
Rate for my property?" Well, as Market Cap Rates go up,
values go down. Conversely, as market cap rates go down,
values go up. We can see this simply by restating the
formula as follows:

NOI/CR = FMV

Let's take a look at our example when the Market Cap Rate
changes.

Suppose the Market Cap Rate for your property goes from 10%
to 7%. What does that mean for the value of your property?
To find out, simply divide your net operating income (NOI)
by the Cap Rate. So, 50,000/.07 = $714,000. Your
property's value went from $500,000 to over $700,000
through no effort of yours, but simply because the Cap Rate
went down.

Conversely, suppose the Market Cap Rate goes from 10% to
12%. What does that mean for the value of your property on
the open market? Again, simply divide the NOI by the Cap
Rate. So, $50,000/.12 = $417,000 So, the value of your
property has decreased because the Market Cap Rate has
increased.

What causes the Market Cap Rate (MCR) to change? It's
simply a matter of supply and demand. The more demand for
investment property, the lower the MCR. The lower the
demand for investment property, the higher the MCR.

So what should the Cap Rate of a property mean to you?

A Cap Rate should tell you two things. The first is how
leverage will affect your investment. As long as your Cap
Rate is higher than your borrowing cost (interest rate),
then you should borrow as much as possible with respect to
the acquisition and/or holding of that property. However,
if your Cap Rate is less than your borrowing cost, then you
should either pay cash for the property or find a different
property to buy.

You should also monitor your property Cap Rates to help you
determine when you should sell. If the Cap Rate falls
below your borrowing cost, then you probably should sell
the property. Why? Because in opportunity cost, you are
losing money. Here is an example:

Let's say you purchased your property for $500,000 when the
Market Cap Rate was 10%. And let's say your mortgage is at
7%. Now, suppose the MCR goes to 5%. What should you do?
You should probably sell the property.

At this point, the property is worth $1,000,000. Let's say
you want to maximize your Velocity of Money, so you
refinance to a total of $800,000. Your NOI is still
$50,000. But you are paying 7% on your money. So now,
your interest is $56,000 but your income is only $50,000 so
you have negative cash flow of $6,000. With the MCR below
your borrowing cost, borrowing out the equity puts you in a
negative cash flow position. Instead, you should look at
the benefits of selling the property and buying a new
property with a higher Cap Rate.

Of course, there are some things you can do to increase the
value without regard to the Cap Rate. Any time you
increase your NOI, you increase your value. If you can
make changes to your property to increase the rent or to
decrease expenses, you will increase the value of your
property even if your Cap Rate stays the same.

But any time your cap rate gets lower than your borrowing
rate, you should consider selling the property. Many
people in Phoenix and California got caught in this trap in
the mid-2000's. Cap rates were at an all time low; some as
low as 3-4%. These same people lost many of their
properties to foreclosure because they could not make the
negative cash flow payments.

So pay attention to the Cap Rate in your market for your
investments. If Cap Rates are low, it may be time to sell.
If Cap Rates are high, it may be a great time to buy more
property in your market. A good real estate broker can
give you a pretty good idea of the cap rate for your
property.

Warmest Regards,

Tom

----------------------------------------------------
Tom Wheelwright is not only the founder and CEO of
Provision, but he is the creative force behind Provision
Wealth Strategists. In addition to his management
responsibilities, Tom likes to coach clients on wealth,
business, and tax strategies. Along with his frequent
seminars on these strategies, Tom is an adjunct professor
in the Masters of Tax program at Arizona State University.
For more information, visit http://www.provisionwealth.com .

Health Savings Accounts Appeal to Forward Thinking Individuals

Health Savings Accounts Appeal to Forward Thinking Individuals
By choosing a Health Savings Account, one is betting on
themselves... in a way. If you stay healthy, then with a
typical health insurance plan you're just out a lot of
money. With a Health Savings Account, not only will you
pay significantly less in premiums, but at the end of the
year you have a nice deposit of up to $5,650 sitting in
your account. Money which you didn't pay any federal
income taxes on, state income taxes (with the exception of
four states) on, or social security taxes.

Let's say a 30-year old man with a family opens a Health
Savings Account and has a high-deductible health plan that
allows him to fund the account with $5,650 each year. If
he takes $1,000 or less out each year for medical expenses,
and earns a 10% return on his money, he'll have $1,422,878
when he retires.

The best way to accumulate this much money in your Health
Savings Account is to stay healthy, so that you don't need
to access those funds to pay for medical expenses. The
good news is that the vast majority of diseases and
disorders people have are the direct result of their
lifestyle choices. High blood pressure, cancer, diabetes,
Alzheimer's, digestive disorders, endometriosis,
osteoarthritis, osteoporosis, and more, are all largely
preventable.

The Average Guy Doesn't Get It

The average American lives as if social security, a few
prescriptions, and some good luck will take care of him in
his later years. So he saves little for retirement. He
eats packaged foods like French fries, chips, cokes, pasta,
and cold cuts. And over the years he puts on "a few extra
pounds", and he gets out-of-shape, and he gets high blood
pressure, and high cholesterol, and eventually heart
disease, cancer, diabetes, or Alzheimer's.

Insurance Companies Get It

Some insurance companies do understand the tremendous
impact lifestyle can have on health, and are beginning to
institute programs to encourage healthy lifestyles among
their customers. Healthy policyholders will use their
coverage less, resulting in lower rates for them, and
better customer retention and higher profitability for the
insurance company. Some insurance companies started new
programs designed to help reward their customers for
staying healthy. The programs provide health risk
assessments, personalized health-improvement plans, email
access to trainers, counselors, and nutritionists, and even
credits that can be redeemed for health-related merchandise.

HSA Owners Get It

People who open Health Savings Accounts are proactive.
They act ahead of time, and think about how their actions
now will affect their future. That is why they put away
tax-deferred money for future possible health expenses, and
that is why many are also interested in taking a proactive
approach to their health. Choosing to live an
extraordinarily healthy life, and actively making lifestyle
changes, is an activity that will bring tremendous returns.
Tax-free, just like an HSA.

----------------------------------------------------
By Wiley Long - President, HSA for America (
http://www.health--savings--accounts.com ) - The nation's
leading independent health insurance firm specializing in
individual and family coverage that work with Health
Savings Accounts.

You Can Get a Home Loan with Bad Credit - Find Out How

You Can Get a Home Loan with Bad Credit - Find Out How
If you have bad credit, then you know how hard it is to get
a loan of any type. Getting a home loan with bad credit is
at the top of the list of loans that are difficult and
tedious to secure. If you have bad credit, then lending
companies see you as a risk and desperate compared with
those having good credit. Lending companies will take
advantage of your desperation and your bad credit by
offering you high interest loans and a limited choice of
repayment plans. In the long run, this can lead you to
worse credit and possibly foreclosure if you cannot make
your mortgage payments.

Despite the advantage mortgage lenders seem to have, there
are ways to circumvent the lending practices aimed at those
with bad credit. One possible solution is to provide
collateral. Collateral is essentially property that the
loan is held against. With collateral, you can secure the
mortgage at a lower interest rate and better loan terms
than without it. The downside of securing the loan with
collateral is that if you miss payments, not only will your
new home enter foreclosure, but you will lose the property
you put up as collateral.

So you don't have property to put up as collateral for your
mortgage? Well, this is often the case. There is another
option for those without property to secure a mortgage.
This option is research. Researching a home loan is an
important part of getting a mortgage with bad credit.
Researching home loan options will provide you with the
best options available to you for a home loan.

Your first step in doing research for a home loan with bad
credit is on the internet. The internet is a great way to
start because most lending companies are online and will do
free quotes. With your research, make sure you fill out as
many free quotes as possible. This will increase your
opportunities for a home loan with terms you can live with.
While many will overlook these free quotes, you should not.

After receiving your free quotes, make sure you compare the
options each lender is offering. You need to be able to
live with the terms of the loan in the present and in the
future. Don't be afraid to look up loan terms you are not
familiar with. Again, the internet is a good place to begin
your search. Understanding the loan terms is important to
understanding their effect on your credit and your future
financial situation.

----------------------------------------------------
For more information on home affordability and home loans,
go to http://www.creditmanagement101.com/HomeLoans
Find home affordability calculators, debt consolidation
calculators and valuable information that will help you
make good financial decisions when purchasing a home. The
author runs http://www.CreditManagement101.com - a website
dedicated to issues concerning debt, credit and money
management.

Simple Steps to Young Financial Security

Simple Steps to Young Financial Security
Become financially secure at a young age so you can afford
to participate in memorable life experiences and enjoy the
comfort of knowing that you are financially secure.

A recent study by the Government Accountability Office
(GAO) predicts that one out of every three workers will
have nothing ($0) saved in a 401k style account by 2050.
This statistic is supported by the National Association of
State Boards of Education's report that states 'most
workers aren't participating sufficiently enough to allow
comfortable retirement'.

Many people are aware that they need to start saving for
their future; however most people have no idea where to
start or how much they will need. With uncertain economic
times it is now more important than ever that today's youth
start investing young. That means giving practical
financial education skills to young adults early in life so
they can achieve financial security.

Plan for Financial Security while Your Young.

Retirement is a long way off for people under 30; however
this is a critical time to secure your financial future.
The sooner young adults invest the easier it will be for
them to achieve financial security. This frees them so
they can experience life more fully. These simple lessons
will have you on the road financial security and, as
equally important, will allow you to fully enjoy life now.

1) Invest early - The earlier you get your money working
for you the sooner and easier you will have financial
security. By investing young you are able to harness the
power of compounding interest.

'Compounding interest' is simply earning money from the
profits of your investments. So you're making money off
money you did not have to work for. This offers young
adults a tremendous advantage. In fact, investing as
little as $100 per month starting at age 18 could make you
a millionaire well before you reach retirement age. Plus
it will give you the ability to afford and fully experience
life during the process.

2) Investment consistency - Investing on a consistent basis
will allow you to generate long-term gains over time. For
most, simplicity equals consistency; and consistency over
time leads to financial security. Start to follow a
consistent investment plan now; then as your investment
knowledge grows you can add other forms of high-return
investments.

3) Diversification - Diversification lowers risk. If you
have all your money invested in the stock market, and the
market crashes, you could potentially loose a lot of money.
Now if you had a portion of your money invested in stocks,
some in real estate, some in businesses and some in other
alternative investments - if any one of the markets
corrects itself, you wouldn't get hit as hard since you're
diversified.

4) Tax benefit vehicles - Use investment vehicles that give
you tax benefits. Many people don't realize about 40% of
your income goes to pay taxes. So by choosing an
investment vehicle like an IRA may help to keep more money
in your pocket.

So the key to young adult financial security is following
simple, consistent investment strategies starting at a
young age. Being diversified and using investment vehicles
that provide tax benefits will help to supercharge your
returns. Get started now because you'll be able to afford
the things you want now and in the future.

----------------------------------------------------
Vince Shorb, creator of the multi-media course 'Financially
Free by 30' and young America's success coach, provides
young adults with real world money advice so they can
achieve financial security at a young age. Visit
http://www.FreeBy30.com for his exclusive free video course.

Buying Penny Stocks The Lazy Investor's Way

Buying Penny Stocks The Lazy Investor's Way
Buying penny stocks, although it can be highly profitable,
can also be very risky. The amount of risk involved can be
significantly lowered by thoroughly researching the stocks
you are interested in, but the research can be very
difficult and time consuming.

There is a new computer "bot" that has been created that
analyzes penny stocks thorough in-depth mathematical
analysis and by doing so dramatically decreases the risks
and increases the profits from buying penny stocks, while
greatly simplifying the work of choosing what stocks to buy
and when. Of course, such a system does not come cheaply,
but there is an opportunity for even the smallest of
investors to reap the benefits of it.

Penny stock investing has big advantages when it comes to
large, rapid returns on investment, and the fact that penny
stocks are priced low enough for even very small investors
to buy stocks and have the opportunity for a diversified
portfolio. Because penny stocks have such low values, just
a few cents change in the price of the stock can equate to
a huge change percentage-wise, and potentially a huge
profit to the investor, depending on the amount of the
total investment, particularly in comparison to the profits
possible with larger value stocks.

To show the power of penny stock price changes, let's do a
comparison. If you wanted to invest $1000 and found a
stock you decided to buy at $100 per share, if it increases
by $1 per share, you'll have made $10. On the other hand,
if you invested $1000 in a penny stock that initially sold
at $1 per share and it increases by $1 per share, you'll
make $1000!

Now, by the same token, penny stocks can lose a bunch of
money very quickly too, which is one reason why it is
important to be very careful when buying penny stocks.
Another reason that penny stock investing is risky is
because of shady or outright fraudulent practices of some
individuals involved in marketing and selling penny stocks.
Because companies that issue penny stocks are not required
to file financial reports with the SEC, it can be difficult
to obtain reliable information to really assess the stock.

Various unscrupulous tactics may be used to lure
unsuspecting investors into buying penny stocks as a ploy
to drive up the stock price and then insiders may quickly
sell of their stock at a high price. The sell-off drops
the stock value sharply and the investors take a big loss.
In investing, it is typical that investments with the
highest potential returns will also have the highest risk,
but in penny stock investing, the high rate of fraud
increases the risk well beyond just what is produced by the
natural tendencies of the market.

To overcome the risks, buying penny stocks has
traditionally required a large investment of time to
research stocks to avoid the scams and predict a relatively
good rate of return. A careful penny stock investor could
spend quite a bit of time evaluating a single stock. This
effort would hopefully pay off in the long-run, but the
time required in doing this often made penny stock
investing out of the question for part time investors.

Then along came "Marl", which is a penny stock buying
computer bot designed by a couple of guys that had the
unusual combination of computer programming expertise and
in-depth understanding of stock investing. Marl has
several advantages over human investors, but the biggest
advantage Marl has is that there are no emotions involved
in his stock picks. Marl makes his picks based on cold,
hard, statistical calculations. Plus, Marl can do a
detailed analysis of hundreds of stocks in less time than
it would take even an expert stock analyst to do a cursory
evaluation of just one stock. This doesn't completely
eliminate the risks of buying penny stocks, but it does cut
down on the risk considerably.

Marl has been so effective that he has allowed for huge
gains by advanced investors. Because of this, Marl is
considered a bargain at the $28,000 licensing fee, but
bargain or not, this is well beyond the means of small
investors. There is an option to use Marl that is
available to investors with even the smallest of budgets
though. The guys that developed Marl put out an
e-newsletter that gives Marl's top penny stock pick for
each week. For new investors, this might be even better
than buying the full Marl program, as it narrows down the
investment options to just one stock every week, instead of
figuring out what to buy out of hundreds of options. With
this, even the most novice of penny stock traders can do
well with penny stocks.

Although the inventors of Marl have indicated that they
will be limiting their subscriber list to the newsletter
and may stop selling new subscriptions in the near future,
hopefully they will have compassion for the small investors
who need all the help they can get and continue to allow
new subscribers long-term. In the meantime, small
investors now have an option to dramatically assist them in
buying penny stocks.

----------------------------------------------------
George Best is a small investor from San Antonio, Texas.
To learn more about Marl and how he works, please visit
http://pennystocks4u.com (*Note - There's no www in that
URL).

Simple Stock Investment Strategy for Young Investors

Simple Stock Investment Strategy for Young Investors
Young investors take notice of this simple investment
strategy that can give you long-term gains with less risk.
'Dollar cost averaging' may sound complicated but it
actually is one of the easiest, safest plans that you can
have set up in about 60 minutes.

Dollar Cost Averaging - The young investor's best friend.

Dollar cost averaging allows young investors to purchase
stock investments consistently over a longer period of
time. This stock market strategy works especially well
with broad-based market index investments like the mutual
funds and ETF's that mirror the return of the S&P 500.
This is an effortless yet powerful investment technique
that will lower your risk and potentially increase your
returns.

Dollar cost averaging works great for young investors that
are investing for the long-term. Young investors are able
to purchase more shares when the stock market experiences
short-term corrections. That way when the index turns
around and starts heading up in value young investors are
able to profit more because they own more shares.

When the market is rising young investors are able to
capitalize on the market trend because they are following a
consistent investment plan. As they purchase more and more
shares in a bull market that money is going to work for
them right away.

Dollar cost averaging spreads the prices that you purchase
stock market investments (cost basis) over a longer period.
That way you are protected from short-term price
corrections and profit from long-term uptrends.

How to Create a Dollar Cost Averaging Plan.

For young investors creating a successful dollar cost
averaging plan is simple. There are two basic steps that
will get your money working for you:

1. Decide on the exact amount of money you will invest each
and every month. The key to a successful dollar cost
averaging plan is consistency. You can increase your
investment over time but avoid investing different amounts
each month.

2. Set up the exact times you invest. If you decide to
invest once per month do so on the same day. For instance,
the fifth of every month invest $150. This is made simple
with help from an automatic investment plan. Set this up
one time and your investments are made automatically for
you each and every month. All you have to do is check your
statements to see how your investments are doing.

Improve your dollar cost averaging plan through
diversification.

Diversification is a simple spreading out the risk of
owning a stock investment by owning many different stocks
in a variety of sectors. Instead of owning one individual
stock, which is very risky for the inexperienced, you may
choose to own a group of stocks. This will reduce the risk
of owning any single investment. The investment of choice
for many young and beginning investors is broad based
indexes.

An example of a broad based market index is the S&P 500.
By investing in the S&P 500 index you own a piece of every
stock that makes up the S&P 500. Stocks like American
Express, Google, Ford, Nordstrom, Home Depot, Staples and
Yahoo are a few of the stocks that make up that index. That
way you're protected in case one of the stocks in the S&P
500 drops 70% of its value, you're only invested 1/500th,
and you won't experience too much loss from that. In
comparison, if you just owned that stock by itself you
would have lost 70% immediately.

For young investors, keeping your investments diversified
and using a dollar cost averaging investing technique - you
have effectively reduced risk and are in an excellent
position to achieve long-term profits.

----------------------------------------------------
Vince Shorb provides Free video investment education for
young investors at http://www.FreeBy30.com . His course
'Financially Free by 30' guides young investors, with the
use of audio, video and interactive tools, to gain the
practical financial education that young investors need to
succeed in the real world.

Using Online Coupons When Shopping Online

Using Online Coupons When Shopping Online
Shopping online gives you the ease of not waiting in line
at stores let alone not even having to get out of your
chair! More often than not prices are cheaper because
there isn't the cost of a large some of retail employees
and different public outlets. Online shopping is an
extremely fast growing trend that many of you reading this
probably have already picked up.

Due to the ease of shopping it makes it much easier for
consumers to bargain shop. Comparing website pricing on
the product you want is a breeze and takes a fraction of
the time compared to walking or driving from store to
store. Search engines have also made it easy to search for
specific items or model numbers allowing you to compare
pricing within a single window allowing you to compare
prices in seconds for your item of choice.

The only inconvenience to purchasing items online is if the
item needs to be returned or exchanged. Fortunately, this
can also be done without leaving your home. If you ship
via United Postal Service (UPS) you are able to print a
label online and schedule a pick up from your home. Once
again this saves you gas and time while all the work is
done from you. It is always best and problem free to make
sure the item you purchase is one you expect to keep.
Should you decide to return or exchange an item make sure
that it is tracked and insured to prevent any problems.
This can normally be done at a very reasonable rate if it
is not paid by the original seller of the item.

The good news is shopping online has just gotten better.
As the internet has evolved so has shopping online. Today
there are websites that gather together coupons, special
offers, and attractive sales provided by popular websites
to make sure your dollar goes further. The burden of
digging through news papers for coupons and offers has been
placed online combined with simple search engines that
eliminate the burden allowing you to find any available
offers in the blink of an eye.

Before doing your shopping you should always stop and see
if an additional savings can be made prior to making your
purchase. You would be surprised at the special offers big
retailers are privately advertising to customers! Just
when you thought you were getting a great deal, it may have
just gotten better.

----------------------------------------------------
A great place to find coupons online is
http://www.bargaincouponcode.com . Article written and
distributed by Steve Cancel of Secure Link -
http://www.slwebsolutions.com .

Can credit repair companies be trusted?

Can credit repair companies be trusted?
In this world where fraud seems like a second language on
the internet, we sometimes find it hard to trust companies
we want to deal with. When it comes to repairing your
credit, we know we must be extremely careful about who we
choose to help us along our way.

Many "credit repair" companies claim to remove negative
credit with the flick of a wrist. Their advertisements make
bold assertions and money-back guarantees: "Bankruptcy, tax
liens, judgments... no problem!! One hundred percent
guaranteed!! Credit report 100% cleared in 30 days!!" Can
they really make such sweeping guarantees?

While some credit repair companies are outright frauds,
others are not fraudulent and they use the dispute process
to obtain impressive results. In fact, they delete
thousands of negative credit listings every day. There is a
company called, Lexington Law who has been doing it for 15
years.

Unfortunately, it is risky to trust anyone to help you
restore your credit. It is estimated that fraudulent credit
repair companies have bilked Americans out of more than
fifty million dollars. The majority of credit repair
companies were started by entrepreneurs with a penchant for
marketing. Consumers have flocked to these "credit doctors"
only to discover that their advertisements proved far more
impressive than their results. Hiring a credit repair
company is like playing Russian roulette. Many of them are
effective and legitimate, but it is difficult to tell a
rip-off from the real article.

So, can credit repair companies guarantee results?

Not a chance! No credit repair company is so good that it
can guarantee a specific outcome. It would be like a
defense lawyer guaranteeing that the jury will find his
client innocent. Guarantees are a sure sign of credit
repair fraud. A warranty, where the credit repair company
promises a refund if certain results don't occur, is a
better, more realistic claim. Lexington Law is a
respectable company that we recommend.

Not surprisingly, the credit bureaus have declared war
against the credit repair companies and those selling
instruction on how to do-it-yourself. The bureaus lambaste
credit repair companies in the media and send anti-credit
repair literature to anyone whom they suspect of using
credit repair services. The bureaus unflinchingly deny that
accurate information can be removed from a credit report.

The simple truth is that you do not have to endure bad
credit for seven to ten years as long as you feel
comfortable challenging the accuracy or verifiability of
your credit listings. If so, it is possible to restore
creditworthiness within a much shorter time.

However you decide to address your credit challenges,
realize that regardless of what you may hear in the news
media, thousands before you have sought help and restored
their credit. They can show you their homes, cars, and
credit cards. Despite the newspaper articles, TV reports,
and other credit bureau propaganda to the contrary, the
simple truth remains: you can restore your credit.

----------------------------------------------------
Mike Powers is an internet marketer who has developed a
website that gives tips and resources to people who are in
need of repairing their credit.
You can view Mike's website at:

http://www.mwpowersnet.com

What the Great Depression Can Teach You About Managing Money Today

What the Great Depression Can Teach You About Managing Money Today
Saving is a tough state of mind for most of us. Saving
requires calmness, confidence, and a willingness to put up
with some inconvenience and do a little work. For most
super-stressed, overcaffeinated Americans, saving is just
too much trouble.

Shower curtain rips? Buy a new one. Feeling hungry? Let's
go to a restaurant. We toss thousand-dollar birthday bashes
for preschoolers and put our high schoolers in designer
gear so they can be bored in a drab classroom (and we buy
them a cell phone so they can text dopey messages to their
friends).

Our Depression-era ancestors would shake their heads at
such nonsense. It's no wonder Americans can't save their
money.

Now, to be fair, people in the Depression did not save
much, either. They didn't have much. They learned a lot of
skills that got them through the year with minimal
expenditures.

If you can do that and still earn what you earn, you'll
have saved a whole lot of cash. So what can you learn from
the Depression to make your present day more comfortable?

If you have frugal friends, try to shadow them for a while
and pick their brains. Where do they shop? How do they live?

Repair things that break or try to make do without it
rather than replacing it immediately. Buy clothing at yard
sales and thrift stores, at least for a season. Start to
find creative ways to amuse yourself (play cards instead of
going to the movies) and cook rather than eat out.

Most people hate the thought of that sort of lifestyle and
for good reason. It seems boring. It seems harder than it
needs to be.

But the trick is that every time you do something like this
you should reward yourself by taking the money would would
have spent and stashing it away. If your checking account
is a bottomless pit, try to take some cash and put it away
in your room.

For instance, if you normally eat out four times a week,
switch to home cooking and then calculate your savings.
Let's say you used to spend $160 a week on eating out and
you're now spending about $60. Make sure you pay yourself
that $100.

That's saving!

It's so far removed from the way most of us think today
that you have to discuss this strange new concept to get it!

Let's say the toaster breaks and you fix it. If a new
toaster might have cost you $30, put $30 in your savings.

If you need jeans but get them at a yard sale for $2
instead of a department store for $200, put $198 aside.

At some point, you'll need to transfer your wad of cash to
a more reasonable holding area. Open a special bank account
or, better yet, start a brokerage account and put it in a
stock or mutual fund.

A good method for doing this is to keep cash up to about
$400 (or whatever amount you prefer) and then deposit it.

If you have a lot of debt, you can take this savings and
deposit it into your checking account and then quickly
write a check to pay your creditor. Imagine if you could
live more or less at the same level and pay down your debt.

Frugality is one of those things that does not sound like
as much fun as it truly is. In the Depression, people
skrimped because they had to. But for us, the decision to
save is about personal choice and a desire to be free of
debt and build up savings for the future. We can view
frugality as an expression of our own creativity.

Here are some more creative ways to simplify your life and
save money:

Rent movies instead of going to the show; better yet, start
a home movie group with other families so you can do a
pot-luck dinner and take turns being host. Not only is this
more fun (and more likely to make real memories and
friendships), it's cheaper.

Read books and magazines at the library instead of seeking
your entertainment outside.

Learn to sew. Repair your own garments and learn how to
make adjustments to get yard sale stuff to fit just right.

Learn a craft that is suitable for gifts. For instance, you
can knit baby blankets for showers or needle point art work
for Christmas.

Forget coupons, learn to buy in bulk and cook from scratch.
Invest in a freezer, if you can afford it, because it's
cheapest to buy staples, cook in large batches, and freeze.
It's healthier, too, plus you'll develop a real knack for
cooking.

Savings is a mindset. Change your mind about your money,
and you can change your financial future.

----------------------------------------------------
If you want to know more options about managing your money,
check out http://www.debt-consolidation-diva.com . We don't
make loans, it's pure information on debt consolidation,
which is an option for dealing with debt for people with
good (or growing) ability to save money.

Business Valuation Expert Invents Faster,Better Way to Research Stocks

Business Valuation Expert Invents Faster,Better Way to Research Stocks
Ian Campbell, a recognized Canadian business valuation
expert, manages his own stock portfolio. This would scare
the heck out of me if I tried to do the same thing; but now
he really enjoys it.

Campbell told me that it wasn't that easy in the past. He
got tired of wading through financial web sites,
newsletters, and other data for what seemed like endless
hours each week. He has been in the financial industry for
more than three decades, so he knew from experience the
best way was to solve this problem was to tackle it himself.

Speaking of unending hours, how many did you spend last
month? Were you like me, wading through the data quagmire
-- that unending labyrinth of data related to the stocks
you're following? Personally, it irritates me to no end.

Perhaps you're one of those who like to manage your own
portfolio. Maybe you're interested in the Canadian Small
Cap Mining and Oil & Gas Industries; or you're a financial
adviser with clients interested in these sectors. If so,
you've likely experienced 'the problem' - the huge waste of
your valuable time -- pouring over charts, tables,
financial documents and websites, when accessing economic,
industry and company data on the web.

Campbell commissioned proprietary survey research in both
the U.S. and Canada. Among other things, it asked how much
time respondents spent researching stocks on the Internet.
His research pointed out that 80% of those retail investors
surveyed in the U.S.A. and Canada spent up to 10 hours per
month, researching stocks, bonds and other financial
affairs on the Internet. I think you'll agree it's
reasonable to assume that 80% of all retail investors don't
manage their own portfolios. They assist or collaborate
perhaps; but mostly they rely on the expertise of an
investment adviser for assistance. So why are these people
online researching and investigating equities? The answer
perhaps lies in the fact that the research also asked these
same respondents a few questions about how they felt
regarding their own investment advisers.

The answers were illuminating to be sure! Let's just say
these 80% are not taking any chances. They want to know
exactly what is happening with their portfolio and how to
ensure that their own Investment Advisor focuses on their
financial affairs. Campbell was sure he was on to
something. He was confident that thousands of other
investors must feel like him: frustrated with the way
online investment research was done; and what he had to
work with. He decided to conduct even more research to see
if the market needed and would be willing to pay for a
unique membership web site that would take the data - the
material that drives most of us bananas - and properly
organize it in a way that he and those other investors had
never seen before.

Campbell continued and made other relevant data more easily
available. Now those who wanted to manage their own
portfolio, or just keep an eye on it; or who have an IA
working with them, could be more organized; work faster.
The IA's would also put this new 'tool' to good use. The
results were more reliable too.

Having been an influential corporate valuation expert for
more than 35 years, he knew that if he could solve these
problems, putting all this in one website, he just might
have the silver bullet. The result was a very special web
site, which launched recently.

This is how most great ideas come about. In this case, one
individual investor, constantly frustrated by the onerous
task of wading through the deluge of stock market and
individual stock data, decided to do something about it.
Now everyone can access this faster, better way of
researching stocks.

©Copyright, Roy MacNaughton, 2007

----------------------------------------------------
To learn more, go to: http://www.stockresearchdd.com
Roy MacNaughton is a business writer and coach. He's a
seasoned marketer, with more than 25 years of international
experience, including eight years online. His specialty is
finding investment "niches" that can be exploited and/or
added to his own portfolio.
Check his blog at:

http://www.UmarketingU.com

Architects Now Designing Homes For Mortals

Architects Now Designing Homes For Mortals
The concept of owning a home designed by a well known
architect is something most of would only dream of. Times
are changing and so are the marketing plans of many
property developers who are increasingly using well known
architects to sell their homes

It is true that international property investors have a
huge choice of luxury resorts from around the world to
choose from. With so much competition attracting the most
desirable customers is becoming increasingly difficult. One
way in which some resort developers have decided to attract
potential buyers is by using high-profile architects on
their projects.

Shigery Ban, who designed the Pompidou Centre in Metz, Zaha
Hadid, Piero Lissoni, Chad Oppenheim and Japan's Kengo Kuma
are all well-known architects and designers and they are
all being employed to design luxury hotels and resorts.
What's even more astounding is that this group of celebrity
architects is currently working on one resort - Dellis Cay.
This private island is part of the Turks and Caicos Islands
in the Caribbean.

Dellis Cay is being developed by Turkish tourism magnate
Dr. Cem Kinay. Piero Lissini is designing the main hotel
and a set of villas in his typically modern, bold and
simple style. In a recent interview in The Independent, Dr.
Kinay notes that "The architects are our biggest selling
point." One bedroom apartments on Dellis Cay start at
£835,000.

Another new development that is making use of well-known
architects is Portugal's Bom Sucesso, north of Lisbon on
the Silver Coast. There are more than 20 popular European
architects that are working on different designs and
buildings for Bom Sucesso, including Alcino Soutinho,
Goncalo Byrne, Alvaro Siza Vieira and even England's
award-winning David Chipperfield. The architects adhered to
a set of rules that provide the formal unity of the
project, but which simultaneously enabled them to follow
their own original and specific objectives. Most important
among these rules and vital for the originality of the
resort, was that all rooftops should be covered in greenery
and any walls should either be covered in greenery or else
simply not exist at all.

Other resorts around the world are using architects to get
a leg up on the competition. Melvin Villarroel is working
on a community in Marbella, Spain called Lomas Club. Homes
at this development are also being designed by Angel
Taborda and Victoria Guana, and Villarroel is also working
on several other new resorts in Spain.

Matteo Thun is designing a new set of fascinating
apartments in the Austrian resort of Katschberg called
Edel:Weiss. Sir Norman Foster is working on several
projects; one is in Egypt called Serrenia and there is also
Corniche Bay resort in Mauritius. These villas will only
cost £1.7 million.

----------------------------------------------------
Author: Nicholas Marr is CEO of overseas property
investment web site
http://www.homesgofast.com/David_Chipperfield.php

Simple Stock Market Investing Tips for Beginners

Simple Stock Market Investing Tips for Beginners
For young or inexperienced investors choosing a stock or
mutual fund can be confusing. What's more unless you have
professional training, investing in either stocks or mutual
funds could be too risky. Fortunately, there is a simple
investment you can make without having any experience in
the stock market.

Importance of Investing Young. It is essential that you
start investing young; if you don't your actually loosing
money and missing out on the most important thing young
investors have in their favor 'compounding interest'.

Each year that you have money and are not investing you're
loosing about 3% of its value due to inflation. So after
10 year of sitting on $100 cash it could be worth less than
$75. What's more, by investing young you benefit because
the money you made from your investments - make you more
money. Making money from money you've already earned from
your investments is known as 'compounding interest'. This
powerful force can make you a millionaire well before
retirement age with saving as little as $70 per month.

Now that you know you need to invest; how do you start? The
stock market offers a great place for young investors to
get their money working for them; the best part is you do
not need a lot of money to get involved. Plus, with the
investment vehicle discussed in this article, you don't
need to be a stock market expert to begin.

What's the solution? An ideal investment for young and
inexperienced investors is to get on the road to financial
independence are low-cost broad market index investments.
Warren Buffet states, "A very low-cost index is going to
beat a majority of the amateur-managed money or
professionally-managed money." This is one of the easiest
investments you can make. An added bonus is that it takes
only minimal knowledge and about 60 minutes to start
getting your money working for you.

What's a broad market index? A broad market index is a
group of stocks that you can purchase as one. It allows
young investors to buy a collection of top performing
stocks that mimic the performance of the entire stock
market. Since these index funds allow you to earn returns
similar to the overall performance of the market it greatly
reduces the risk. This is an advantage to the beginning
investor since it is safer than investing in a single
stock or some mutual funds; plus there is a history of
double digit returns.

Although the term 'broad based index investing' may sound
unfamiliar you already know many of these investments.
-The Dow Jones Industrial Average index contains 30 top
industrial stocks. -The Standard & Poor's 500 contains 500
of a variety of different stocks. -The NASDAQ 100 contains
100 stocks that are mostly in the financial and technology
sector.

When you invest in a broad based market index you actually
own a small piece of each individual stock. For instance,
when you invest in the S&P 500 broad market index, you're
buying a piece of all 500 stocks in that index. So for each
S&P index share that you own your actually own 1/500th of
companies like: American Express, Google, Ford, Nordstrom,
Home Depot, Staples and Yahoo to name a few.

Broad market indexes are ideal for young investors that
don't want to watch the stock market everyday. Since this
investment matches the overall return of the market if you
believe over the long-term the stock market will continue
to rise in value this could be a good investment. If
history were an indicator of future performance, it would
be clear that over time, you would generate solid returns.
The key benefits associated with broad market index
investing are:

1) Higher Returns - According to Standard & Poor's, less
than 30% of managed funds in 2006 beat broad market index
investing. What's more over the last ten years the average
person that invested in broad based index funds has beaten
the returns most mutual fund investors.

2) Added Diversification - Diversification lowers risk.
If you invest in one individual stock and bad news comes
out on the company you could loose a lot of money fast.
Now, for instance, if you're invested in an S&P 500 index
fund and one stock has bad news you really don't care.
That will only affect your investment one five hundredth.

3) Lower fees - Index funds fees are typically lower and
are often around .5%. While the average mutual funds fees
are around 2%. Over time this will make a big difference
in your overall return.

4) Passive investment - When investing in individual stocks
or mutual funds it is important to keep your eye on the
market and up-to-date with current trends. On the
contrary, index fund investing requires minimal time to
track investments and less knowledge.

The earlier you start investing the sooner you can reach
financial freedom. invest with broad-based index funds
that have similar returns to the overall market, because
then we are receiving similar returns while hedging our
portfolio - again, investing for young and beginning
investors is all about diversifying to improve your chances
for financial success.

How do I invest? There are two ways for young investors to
begin investing in broad market indexes. Both are similar
in their returns; but they are different in how the index
is bought and have different fee structures.

* An Index Fund is a mutual fund that purchases the stocks
that make up an index in order to match the returns of the
overall market. For example, if investing in an S&P index
fund, that mutual fund would own all the 500 stocks that
make up that particular index. Index mutual funds may
require a minimum investment, but some can be waived with a
direct deposit investment plan that automatically invests
money every month from your account. Typically, fees on
index funds are higher and there are minor restrictions on
when you can sell.

* An Exchange Traded Fund (ETF) is similar to an index
fund, with the benefit that ETF's can be bought and sold
similar to an individual stock. An illustration of an ETF
is the "Spiders" (American Stock Exchange: SPY symbol).
Each share of a spider contains one-tenth of the S&P 500
index, and so trades at roughly one-tenth of the S&P price.
The management fees on ETFs are low. In addition, there are
fewer restrictions on the purchase and sale of ETF in
comparison to index mutual funds.

Young investors will achieve similar returns whether
investing in index funds or exchange traded funds, but
typically ETFs have lower fees and fewer restrictions.

The earlier you start investing the bigger advantage you
will have. Because there is only a minimal amount of money
necessary to start and a low level of knowledge needed to
invest - broad based market indexes will allow you to start
investing young. So quit working for every dollar and get
your money working for you.

----------------------------------------------------
Vince Shorb, young America's success coach and leading
financial literacy advocate shows young adults how to
invest young so they can retire young. For more information
on his latest course 'Financially Free by 30' and a free 5
step video course visit http://www.FreeBy30.com now.

Taking the Mystery out of Software Financing and Software Leasing

Taking the Mystery out of Software Financing and Software Leasing
The very terms "software leasing" and "software financing"
are confusing to many businesspeople. This is due to the
fact that software is typically not seen as something that
is purchased over time.

This view is shared by both end-users, and the developers
of software. Companies who think nothing of financing a
vehicle or a new computer system will stress over how they
will pay for expensive new business software. And the
producers of software see no need for offering a software
leasing or a software financing option.

But times are changing.

Third party equipment finance companies - companies who
offer small and medium size businesses equipment financing
and working capital - have responded to a need for software
financing and software leasing. Thus, they are starting to
include software amongst the equipment they finance or
lease. There is one big overriding reason for this shift:

The High Cost of Buying Software

The simple fact is this: Software can be very, very
expensive. Oftentimes more expensive than the hardware that
runs it.

Now, keep in mind that when we are talking about software
in this way, we are generally talking about "vertical
software". Vertical software is software that is written
for a specific, narrow industry (this can include
industry-specific point-of-sale software, ERP systems,
specialized databases, etc). It is not software that's
available on the shelf at your local office supply store
(the software you see there, even the business programs and
operating systems, are "horizontal software" - they can be
used across a variety of industries, and are relatively
affordable.)

A good, clear example of vertical software is an auto parts
store - they use software that's specifically written for
the auto parts industry. Another example is your local
jewelry retailer - they likely use a point-of-sale system
specifically made for the jewelry industry.

To understand how software financing and software leasing
can positively affect a business, it is important to
understand the advantages of vertical software first.

For most businesses, Vertical Software usually means far
more efficient business processes. In the case of an auto
parts store, for example, the software will already
anticipate the thousands of automobile makes and models.
And will almost certainly be updated every year. The
jewelry store's software will differentiate the subtle
differences between two diamonds by any number of
categories. And so on.

In fact, these "vertical" software programs are so
effective, and become so crucial to day-to-day operations,
that businesses often need this type of software to remain
competitive. In many cases, it's not an option to do
without.

However, since the software is so narrowly focused, it
usually comes with a hefty price tag. The developer will
sell relatively few copies as opposed to a word processing
program (which will sell in the millions), so they must get
a premium for their work. Vertical software can sometimes
reach five figures for a single license.

This brings an obvious problem: "Businesses need the
software, but it's very costly to buy outright."

And that's where software leasing and software financing
come in - business don't have to "buy" it upfront.

The Advantage of Software Leasing and Software Financing

The advantage of financing or leasing software is clear:

Software leasing and software financing take the huge
up-front cost of new software out of the equation. Like
most other business equipment, software is now beginning to
be seen as a tangible asset (this was not always the case.)
This means software can largely be treated as any other
equipment purchase in the case of financing or leasing. A
business can finance that new ERP system instead of having
to budget a huge cash outlay.

This can be very beneficial to the bottom line, as software
generally pays for itself over time. In fact, since
"vertical" software almost always reduces the cost of doing
day-to-day business, leasing or financing said software can
actually create a positive cash flow right away.

But Who Offers Software Financing or Software Leasing, and
how does it Work?

It's true that software developers have been very slow to
embrace the business model of software financing or
software leasing. They would prefer to be paid up front for
their software.

Likewise, banks, being part of an "older" industry, are
also largely reluctant to finance software.

However, third party equipment finance companies who
specialize in small and medium sized business equipment
financing often offer attractive software lease and
software financing packages. What happens is the equipment
finance company pays the developer in full, and then
provides the software to the end user under a finance or
lease agreement, often at very attractive rates. In all
actuality, it's fundamentally the same as financing or
leasing most other equipment.

Of course, like any other financing, the agreements can
(and will) vary from traditional fixed rate financing to a
"software lease" with a buyout at the end, etc. And the
rates and terms also vary - your individual equipment
finance company will have more details.

All in all, software financing and software leasing have
definitely entered the business consciousness, and because
it is so friendly to the bottom line, it is a business
model that is here to stay.

----------------------------------------------------
Software Leasing and Software Financing are only a few of
the services provided by
http://www.crestcapital.com/software_financing

Regardless
of the size of your company, Crest can provide you with the
equipment financing and working capital you need to
successfully grow your business. Learn about financing
options that can increase your bottom line and reduce your
2007 tax bill with a
http://www.crestcapital.com/equipment_lease_calculator .

Preparing a House for a Quick Sale

Preparing a House for a Quick Sale
Purchasing real estate can be a great investment since it
is solid. Many people are choosing to invest some of their
money through this avenue due to the uncertainty of other
investments. While some are getting into real estate
investing to be landlords, others are choosing to pursue
flipping real estate. If you are purchasing a home to
flip, there are some things you need to do to ensure you
can sell your house.

Fixing any major problems with a house is the first thing
that should be done when you are preparing to sell your
house quickly. Buyers aren't interested in homes that have
holes, mold, rotten floors or ceilings, electrical wiring
not up to code and other major problems. No one will care
about the luxuries and features when you sell your house if
the basic elements aren't in good standing.

After fixing major problems with a house, you can make
cosmetic changes that enhance the appearance of a house.
Many individuals flipping real estate choose to install
granite countertops, hardwood floors and recessed lighting
as these items make a house appear very modern. However,
it is important that you don't go overboard making cosmetic
changes as your house should still fit in with other homes
in the neighborhood.

While making cosmetic changes to a house inside, you also
need to make cosmetic changes outside. Curb appeal is very
important as it often dictates whether or not people will
even stop to look at your home. While you may completely
change and improve the inside of your house, no one will
see this if you don't also make the outside attractive.
New landscaping should be considered and the house should
be painted if it is needed. Even if the outside looks
attractive to you, most experts recommend making a few
changes. Changes outside can serve to signal buyers to
stop in and have a look at changes on the inside.

One thing many individuals in real estate investing forget
to do when flipping real estate is to clean the home
thoroughly before the open house. While cleanup is done in
the areas where repairs and changes were made, some
individuals neglect to clean areas that didn't receive a
makeover. Before your open house you should take the time
to vacuum, sweep and mop any floors, clean the windows and
wipe everything down including cabinets, closet shelves,
fireplace mantels, etc. Doing so will ensure your home is
sparkling and attractive to potential buyers.

Finally, when preparing to sell your house, you should
stage it by bringing in decorations and other items to make
the spaces in the house attractive to buyers. Individuals
often need help understanding how certain spaces can be
used and what their home can look like. By staging, you
can create this for your buyers and often increase the
number and amount of offers you receive on the house.

Real estate investing can be a great way to make money if
you know how to flip a house and quickly sell it. However,
you must follow the tips listed here to ensure their home
is prepared for a quick sale to qualified buyers. That can
be worth thousands of dollars to you from real estate
investing within a matter of weeks.

----------------------------------------------------
Jason Loucks is the Nation's Leading Expert at Selling
Houses and Investment Properties Fast and For Top Dollar.
To Discover more about his "7 Day Sale" Method for selling
properties at retail price in 7 Days, visit
http://www.7DaySaleGuy.Com

Legal Credit Repair Methods

Legal Credit Repair Methods
If you are anything like me, legal issues when it comes to
credit repair are way over my head. After being in debt
for years, I decided to do a great deal of research on what
is legal and what is not and here are some answers I found.
The advise I am sharing with you below could be of great
help to you to get you on the right track when it comes to
repairing your credit.

To better understand what legal credit repair is, it would
be helpful to understand a few types of illegal credit
repair:

Illegal:

Changing your social security number to obtain a clean bill
of credit. If any company should suggest this type of
credit repair, report them to the authorities.

Illegal:

Disputing every item on your credit report, regardless of
nature. The Fair Credit Reporting Act specifically states
that only items that are unverifiable, inaccurate or
misleading should be disputed. Items that are clearly
yours, and reflect your credit history should not be
disputed.

Illegal:

Charging for services that have not yet been completed.
This is to protect the consumer from fraudulent companies
that charge for services that never get completed (charging
to "repair your credit", then hitting the road...)

So, what exactly is Legal Credit Repair? Legal Credit
Repair consists of removing the negative items on a credit
report. There are a few different methods of going about
this, the most common and effective are:

"Goodwill" Negotiation

Negotiating directly with creditors and asking them to
"please" remove negative items from your credit reports is
a viable method of credit repair for mild late-pay
accounts. There are no laws that require that negative
items stay on your reports for any amount of time, and
creditors have the ability to simply remove these items if
they see that it could somehow work to their benefit, even
if that simply means a pleased customer.

Credit Disputation

The Fair Credit Reporting Act gives you the right to
contact credit bureaus directly and dispute items on your
credit reports. Just as in a court of law, you have the
right to plead "not guilty" to negative information on your
credit reports, and leave the burden of proof to the credit
bureaus. You can dispute any and all items on your credit
reports that you feel classify as inaccurate, unverifiable,
or misleading. If the bureaus can not verify that the
information on your reports is indeed correct, then those
items must be deleted.

----------------------------------------------------
Mike Powers is a self employed internet marketer who has
developed a website to help people address the issue of
repairing their credit. You can visit Mike's website at:

http://www.mwpowersnet.com

High Interest Savings Accounts - Top 10 tips to grow your money faster

High Interest Savings Accounts - Top 10 tips to grow your money faster
You might think that savings accounts don't really help
save much, even though their name suggests so. However,
this is misleading. While they may not compare to other
high yield options like mutual funds or stocks and shares,
they can provide a safe, effective and risk free way of
growing your money fast.

Here are the top 10 tips to making high interest savings
accounts work for you!

1. Deposit credit amounts

If you have obtained some money due from another person, no
matter how small the amount, deposit it into your savings
account. Or if you have obtained a bonus or incentive from
your company, deposit this too into your savings account.
Even though these maybe small your high interest savings
accounts will multiply soon and earn you dividends.

2. Shop on a budget

If you love frugal things including your shopping
experience, make sure to deposit this saved money into the
high interest savings accounts. You can set aside this
amount on a regular basis.

3. Make a goal

You can also make a goal that you will deposit a minimum
amount each week into your savings account. This way you
can resist the urge to spend this extra amount and instead
multiply it in your high interest savings accounts!

4. Money gifts

If you have received some special holiday money gifts or
some refunds then make sure to deposit these into your
savings account too. This is extra money which can be very
useful in multiplying your high interest savings accounts!

5. The company you keep

You might have friends who love spending large amounts and
don't think twice about it. However, you need to exercise
control in not getting swayed by such persons. Ensure you
stick to your plan of depositing money every month.

6. Shop for the highest rate

When looking for a savings account be sure to check for the
best interest rate. Only go for the one which is giving you
the highest returns as otherwise you won't be earning much
in the process.

7. Keep a cap

It always helps to resist the urge to spend more. If you
find yourself able to get by for 35 dollars in a day, try
and stretch that dollar a little more. If you can save an
extra 2-3 dollars good for you! You can deposit it into
your high interest savings accounts instead!

8. Keep a tab on balances

In order to know if you are on track as far as multiplying
your savings goes, make sure to keep a close watch on your
outstanding balances in your high interest savings
accounts. This will help you monitor your progress with
time.

9. The savings strategy

You might have outlined a particular strategy to implement
your savings multiplication process. If you have decided
deposit money whenever any extra money comes in, make sure
to follow this strategy consistently. It's the only proven
way to multiply your high interest savings accounts.

10. Look for new methods

A little creativity goes a long way in multiplying your
high interest savings accounts. Find out a new way to
deposit more money in your savings account. Then practice
it for a month. Then look for another way and so on.

----------------------------------------------------
Richard Greenwood is founder of
http://www.high-interest-saving-account.com.au . The site
allows users to compare high interest online saving
accounts reviewing features such as interest rates, minimum
deposit and fees.

The Fast Track to Your Financial Freedom (Part 2) - Adding Velocity to Your Investments

The Fast Track to Your Financial Freedom (Part 2) - Adding Velocity to Your Investments
First, I would like to thank everyone for their interest in
the first part of this article - "The Fast Track to Your
Financial Freedom (Part 1) - Leveraging your Money".

Now, you may now be thinking that this whole idea of
leverage is great and earning $81,000 on a $20,000
investment over seven years would be terrific. The problem
with this is "IT'S STILL TOO SLOW." We can still do much
better. Besides leverage, we need to add the principle of
VELOCITY. Here's how it works:

In the first year, the investor takes the $20,000 and buys
the same $200,000 home as previously illustrated in The
Fast Track to Financial Freedom (Part 1) - Leveraging your
Money. The home still appreciates at 5% each year and the
rents on the home cover the expenses of owning the homes,
including the mortgage payment.

After two years, this home will be worth approximately
$220,000. Instead of letting that appreciation sit and
accumulate, the investor borrows it out and buys another
$200,000 home. How is this possible? Quite simply, the
investor puts a second mortgage on the home in an amount
equal to the appreciation. The rent is raised just enough
to cover the interest on this additional loan. (Most
landlords raise the rent at least every two years.)

The second home also is rented out and appreciates at 5%
per year. Every two years, the appreciation for each home
the investor owns is borrowed out and used to buy new homes.

By doing this, at the end of seven years the investor will
own eight homes with a total value of $2,020,000 and equity
of $273,000. This is compared to equity of only $101,000
if the investor only bought the first home and compared to
equity of $39,000 if the investor had relied on the
compound interest from mutual funds. This is what we call
VELOCITY. Velocity of money is simply the process of
continually moving money into new and better investments.

At a net equity of $273,000 the investor has more than
thirteen times their original investment in seven years.
This is so much better than compound interest that most
people have a difficult time believing it.

When I do this demonstration in a seminar, there is always
at least one person who will not believe it is possible.
At that point, I ask the audience if anyone has ever put
the concepts of leverage and velocity into practice.
Invariably, someone raises their hand and explains that in
actual practice, it has worked much faster than what I have
demonstrated, because of the very conservative nature of
this demonstration.

You probably would be thrilled with this level of returns.
Our clients at ProVision would be disappointed in a value
of ONLY $2 million at the end of seven years from a $20,000
investment. Why? Because, this return does not factor in
any of the tax benefits from investing. Tax benefits, when
properly taken, CAN DOUBLE YOUR INVESTMENT. Here's how.

Let's go back to our example. Suppose our investor is in a
combined federal and state tax bracket of 35%. Suppose
also that our investor has excellent tax advisors, like
those at ProVision, who understand the MAGIC OF
DEPRECIATION.

Depreciation, quite simply, is a non-cash deduction each
year for a portion of the purchase price of the rental real
estate. This deduction will put a considerable amount of
money back into the pocket of the investor.

Suppose that the investor takes the tax savings from the
depreciation and uses it to purchase additional
single-family homes. And just like the other homes, every
two years, the investor borrows out the appreciation and
buys another homes. At 10% down and 5% annual
appreciation, with just the original $20,000 investment and
the tax savings from depreciation, at the end of seven
years, the investor will own the following:

- 16 homes with a total value of $4,200,000

- Net equity of $540,000, or roughly double the net equity
of $273,000 without the tax benefits

- Annual appreciation after the seven years of $210,000 per
year

- All with a single initial investment of $20,000

So let's recap. If the investor had listened to a typical
financial advisor, the investor would have invested $20,000
in a mutual fund and, with a very good market, would have
$39,000 at the end of seven years. On the other hand, if
the investor had used the concepts of leverage and
velocity, including tax benefits, the investor would have
$540,000 at the end of seven years and a portfolio worth
over $4 million.

What's amazing about the concepts of leverage and velocity
is that they are not limited to real estate. They work
equally well in business and in the stock market. But if
these concepts are so great, why doesn't' the average
investor use them? The answer is simply, KNOWLEDGE AND
EFFORT.

There is one final factor - EFFORT. It is easy to give
your money to an investment advisor and it is easy for the
advisor to put the money in a mutual fund. It is not
nearly as easy to gain the knowledge necessary to put the
concepts of leverage and velocity to work in real estate,
business or the stock market. It takes effort, both from
the investor AND from the investor's advisors.

Warmest Regards,

Tom

----------------------------------------------------
Tom Wheelwright is not only the founder and CEO of
Provision, but he is the creative force behind Provision
Wealth Strategists. In addition to his management
responsibilities, Tom likes to coach clients on wealth,
business, and tax strategies. Along with his frequent
seminars on these strategies, Tom is an adjunct professor
in the Masters of Tax program at Arizona State University.
For more information, visit http://www.tomwheelwright.com