"Do You Need Money For Real Estate Deals?"

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Top 10 reasons to have your Free Credit Score Report.

Top 10 reasons to have your Free Credit Score Report.
Your Free Credit Score Report is absolutely the most
important piece of mind you need to have these days. How
are you ever going to know what is being reported about you
if you don't have a current copy of your Free Credit Score
Report. Maybe you are applying for some type of loan and
find out to your surprise that you don't have the credit
score you really should have to get the best interest
rates. I am going to give the top reasons why you should
get a copy every 60 to 90 days. It is to most peoples
surprise when they are told NO in regards to the following,
or maybe someone stole your identity and you never knew
about it. Here are the top reasons.

1. To get that new "Dream Job".
2. To get the low interest rate credit card
3. New Car
4. Identity Theft Protection
5. New House
6. Keep your current rates low on existing credit cards
7. Discover inaccuracies on your Credit Report
8. Because you were denied credit
9. Piece of Mind
10. An educated consumer saves money.

The previous list mentioned is so important because all of
these items are part of our every day lives. If you are not
on top of your Free Credit Score Report, you may not have
got that new "Dream Job". Most employers are now pulling
your credit report to determine if you are a responsible
person. Your Report will say a lot about your personal
life. If you have a history of not paying your bills, your
new employer may assume you don't show up to work on time.
A Credit Report says a lot about an individual, and that is
why most establishments are pulling your in-file. There is
talk also about Medical facilities pulling your credit with
there credit scoring system to determine the likelihood of
you paying back your medical bills. Read more at Dallas
Morning News. No matter what you do, or how cleaver we
thing we think we are, they will find out your Credit Score.

Identity Theft is also another huge reason to have a
current copy. Every 3 seconds someone gets there personal
information violated. Once this happens to you it is a
major on taken to get cleaned up. All of this could have
been avoided if you had monitoring of your Credit Report
set up. Believe me I see this all the time with clients of
mine, someone stole there credit and they had no idea. I
think this article pretty much covers why you should not
delay anymore. Get your Free Credit Score Report today with
monitoring.

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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.

Make Savings a Part of Your Personal Finance Plan

Make Savings a Part of Your Personal Finance Plan
A consistent approach to personal savings is fundamental to
a healthy personal finance plan. You will find that by
including savings in your budget that you reduce your
chances of getting into overwhelming debt that so many find
themselves in today. These people in the overwhelming debt
are those who never learned to save for what they want
instead of using credit only as a tool to purchase
high-priced items that would be out of a person's reach
otherwise (such as a home or car). But whether you are in
debt or just starting out and have no debt, you should
start a savings plan.

For those already caught in the grips of debt and using
their credit cards to handle those unplanned expenses, you
need to cease that kind of spending now. By opening a
savings account and depositing just a little each time you
are paid you will see it add up over time and it will be a
great reserve for when you do have those unplanned
expenses. Can you put aside $10 every time you get paid?
Can you set aside more? The amount is not as important as
getting you into the habit of saving and making it part of
your personal financial plan.

Saving will be hard to get used to at first if you are in
the habit of using credit cards. Bad habits are very hard
to break. One thing you can try and it can be a great
motivator is to take what money is freed up after paying
down credit cards and putting it into savings. For example,
let's say your minimum payments on credit cards each month
totals to $200. So you decide it's time to get out of debt
and you start paying extra on the credit cards and then the
next thing you know, the monthly payments total to $150.00.
You can set aside the $50 in your savings account and in
some ways you never miss it because you were accustomed to
paying $200 each month. And the money builds in a cash
asset account that you can get access to if you have an
emergency instead of using the credit card.

401K and 403B savings plans offered by your employer are
also good ways to save. The advantage here is that your
employer will typically match up to a certain percentage of
what you contribute so it's in a way like free money.
Contribution to the plan is typically handled by payroll
deduction so in a sense what you never see, you never miss.
These plans also, for the most part, yield much higher
rates of return because your funds are invested in the
stock market or mutual funds. But this type of savings is
normally not used for short term emergency expenses as
withdrawal comes with penalties and tax implications. These
plans are used mostly for retirement savings.

Avoid making deposits into your savings account that are so
large that you have to later go back and withdraw a portion
of it to cover living expenses. Just start small and build
it over time and soon you can get yourself off of credit
card dependency and build a valuable asset.

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My name is Tom Husnik. I live in Minnesota. My web site is
at:

http://www.husnikfinancialonline.com

Real Estate Investing in 2008: Are You Crazy - Well Maybe Not!

Real Estate Investing in 2008: Are You Crazy - Well Maybe Not!
The latest data from the real estate industry shows a
marketplace in steady decline and no bottom in sight.
Residential home sales are in freefall mode with an
expected 25% decline in the total number of home sales in
2007 versus 2006. Additionally, homes sales are currently
off by more than 35% from the record year of 2005 when over
7.0 million homes sold.

Industry analysts estimate that we're on track to sell only
5 million houses nationwide for the entire 2007 year, which
is the slowest pace since 1999. Equally sobering is the
fact that at any given time there are about 4.4 million
unsold homes for sale. Based on the number of available
houses, it would take about 10.5 months to sell all the
houses on the market right now.

It's not just the number of homes sold that is falling;
it's also the sales price. The median, or average, home
sales price is expected to dip below $211,000 for the year,
which represents the first time since records have been
kept that the year-over-year price of a home fell.

While home sales are plummeting and sales prices are
falling, the only thing that seems to be rising is the
number of foreclosures. During the first ten months of
2007, the foreclosure rate nationally surged by about 94%,
which puts about 573,000 homeowners at risk of losing their
homes.

As bad as things are right now, we might just be at the tip
of the iceberg, because more than 2.2 million home loans
are going to reset in the next year and a half as
introductory and teaser rates end. Homeowners are faced
with payments that are considerably higher than they had
banked on - or budgeted for. Bush's new homeowner bailout
plan will save some, but will excluded most of the homes
that are close or already in the foreclosure process.

Aright enough of the doom and gloom. With all financial
bubbles there are many losers but a few big winners.
Despite all of the above, now is the time to consider real
estate investing. With prices down and motivated sellers
everywhere real bargains are popping up and the long term
returns on real estate should be outstanding in the coming
years. Much of the risk has been taken out of real estate
investing.

The housing market has undoubtedly changed, but I still
think real estate is one of the best long-term investments
you can make. I also think if you know what you're doing,
there's a whole lot of money to be made right now by
investing in real estate.

The key to this opportunity is the ability to raise cash or
credit quickly to make low all cash offers. The ability to
have a combination of cash, credit lines and access to
private lending will allow you to make low and compelling
offers. In many cases, buyer will forced to accept any
reasonable offer.

If you do this, you'll discover that this is possibly one
of the best times in more than a generation in which to
make tens of thousands of dollars -- or more -- by playing
your cards right and timing your real estate purchases in a
way guaranteed to help you build a fat real estate
portfolio.

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Mike Lautensack is a real estate entrepreneur and creator
of the Private Lender PowerPoint Presentation Kit. This
kit is loaded with tools and techniques to attract a
consistent stream of private investors. To learn more
about this powerful step-by-step kit go to
http://realestatewealthtoday.com/page2.html

Bad Credit, Bad Life

Bad Credit, Bad Life
Are you one of the millions of people alive today who does
not understand the significance of credit? I know I used
to be. Every single day, I become increasingly aware of
the differences between having good credit and having bad
credit. Trust me, if you don't know the differences, you
need to find out in a hurry. Bad credit can keep you from
getting what you need or want while having good credit can
help you in getting everything you need or want.

Cash In The Bank

Unless you have thousands of dollars in the bank that you
can readily spend on a home, vehicle or other investment,
you will need credit at some point in your life. Getting
credit means that you are using someone else's money
(commonly known as OPM) for a specified period of time with
the promise to repay a certain amount on a certain date
until the loan is paid off. The repayment period could be
daily (although I would hope not), it would be weekly,
monthly, annually, or even some other period as stipulated
in the loan agreement. Whatever that repayment frequency
is, you need to pay attention. You need to make sure that
you don't sign any contract for credit without thoroughly
understanding the ramifications of your actions.

Are You Worth The Risk?

If you are not serious about using credit wisely and just
want to spend someone else's money without the intention or
the means of paying it back, you will screw up your credit
and be labeled a bad credit risk. without . However, if
you do not have the financial means and/or the intention of
paying back the loan, you will screw up your credit and
will become a bad credit risk.

Fix It and Forget It

Here are the three (3) essential things you MUST do to fix
your credit and put your it on auto-pilot to a good credit
history:

1. Change your attitude toward money. It is a tool for
helping you to achieve your destiny. You should never be
slave to it.

2. Eliminate your poverty mindset. Amazingly, those
wanting the most to be rich would become even poorer if
they got the money they so desire. Why? Because if you
have a poverty mindset, it will destroy your wealth.
Unless you eliminate the poverty mindset, you will always
be poor regardless of how much money you have.

3. Take consistent, positive, and productive action to
improve your credit. You don't need an expensive attorney
or specialist to repair your credit. If you are willing to
do a little work every now and then, you can do it
yourself. Change your spending habits. Stop buying things
you don't need or don't use. Give more...Keep less. Get
your bad credit straight and you will live a better life.

----------------------------------------------------
Michele F. Richardson, is a Small Business and Personal
Consultant, who specializes in helping people find
practical solutions to everyday issues. The "CREDIT
SECRETS Bible" has been in print since 1994 and is
published by Consumer Publishing Group. To get coveted
insider secrets you can use to pave your personal pathway
to financial access and stability, visit
http://creditrepair.globallifetrends.com/ .

Five Top Tax Reduction Tips For Your Business

Five Top Tax Reduction Tips For Your Business
Do you want your business to pay less tax this year?

Of course you do. It's a pretty silly question, right? No
company wants to pay more tax than they absolutely have to
- that's a given.

Nevertheless, many companies don't take advantage of the
opportunities that are available. Luckily, with some fairly
straightforward tax planning, you can significantly reduce
your corporate tax this year.

Here are our five top tips that will help reduce your
company's tax liability this year:

1) Bring Forward Long Put Off Expenditures :

Bring forward that long overdue office repair or
redecoration project or that direct marketing campaign you
were considering for next year. Any expenditure before the
company year end will reduce the current year's tax
liability and lets' face it, your office will look nicer.

2) Make The Most Of Your Capital Allowances :

You will certainly save your company some tax by bringing
capital expenditures - such as machinery - forward. Some of
the bigger savings can be found in the purchase of energy
saving technologies and products which qualify for a 100%
allowance.

Companies generally receive a 25% allowance on plant and
machinery related capital expenses, but SMEs companies get
a 40% allowance in their first year. So, if you are a small
or medium sized company (as defined by company law), take
advantage and make those types of purchases before the end
of your first year trading.

Even better, for computers and telephone equipment, you can
claim a 100% reduction against your profits in the first
year.

The best bet of all is in research and development - a new
R&D tax credit means you can claim 150% of what you spend,
and if you are a loss-making company you have the option of
taking a part of that as an immediate cash payment.

This is a little known and often misunderstood tax credit,
but many companies can take advantage of it. Get some
advice on what exactly qualifies as research and
development first, just to be on the safe side.

3) Re-structure Your Dividends and Bonuses:

Smaller companies - in particular, owner-managed
businesses, can save on National Insurance payments by
taking dividends rather than paying themselves a salary. On
average for a higher rate tax payer, the tax rate will be
reduced to around 39% compared to 47%.

4) Minimize Capital Gains Costs:

One of the best ways to minimize capital gains is to
reinvest the proceeds of a sale into buying a replacement
asset. Be warned, though, that not all assets qualify for
relief. Check first before utilizing this tip.

5) Get The Right Receipts

A useful tip is to make certain that your employees ask for
VAT receipts whenever they make a purchase on behalf of the
company. That will ensure you can claim back the VAT on all
purchases that are VAT rated.

If your company reviews it's tax affairs between two and
three months before the end of your financial year, then
you can start planning how to effectively and, most of all,
legally, minimize your tax liabilities.

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Jim Haines works for Just Accountants, the UK website where
businesses can get quotes from up to 4 local accountants.
Visit http://www.justaccountants.co.uk for details.