Tuesday, May 24, 2011

Mortgage and Loans - Mortgage Refinance, Home Loans

Mortgage and Loans - Mortgage Refinance, Home Loans

EMIL- Da vrei

Posted: 24 May 2011 02:24 AM PDT

1st videoclip from the last EMIL album

A lot to know about investing

Posted: 24 May 2011 01:13 AM PDT

What is investing?

There is a lot to know about investing.  It all depends on what type of investing you are interested in as well.  There are many different types of investment options out there.  So what is investing, specifically?
When you invest, you are paying in a certain amount of money that you expect to grow with time.   Most investments are considered long term investments meaning you will not get your money back right away but if you leave your money in, it can multiply dramatically over time.

There are many “flavors” of Investing including Real Estate Investing, Bonds, Stock Investing, Mutual Funds and 401K.  With stock investing, many of the younger investors see the market as a way to get rich quick.  They are quick to sell off the stock that they have when it goes up or if they see it go down a little, they get nervous and sell it off.  If the investor held the investment and ride it out, they would be much more probably to see it grow.

If you are going to be investing, the one key to success is asset allocation. With Asset Allocation the investor varies their assets by investing in more than one type.  So just how do you do this exactly?
Well, you need to know what the 4 major types are first.
• U.S. Stocks are one. They are represented by the S&P  500 Index
• Foreign Stocks is another; represented by EAFE Index (Europe,  Australia and Far East)
• Real estate, represented by the National Association of Real Estate Investment Trusts Equity Index
• Commodities; represented by the Goldman Sachs.

The key to a growing portfolio is finding a balance between the ups and downs of these many assets.  For example, if one year stocks seem to be down, real estate or commodities may be up and with Asset Allocation, hopefully your loses in Stocks would be offset by the profits in Real Estate, Commodities or other investments.
So if you are ready to get started with investing, what do you need to know? First, you need to decide how much money you have to invest safely.

If you decide to invest in mutual funds, you will be asked if you want a high, medium or low risk stock.  If you invest in high, there is of course, more risk involved but if it is successful, you will see much higher returns.
If you go with a low risk, you will not risk as much if the investment doesn’t work out but you will probably not gain large amounts if it is successful.  It’s really all about how much money you have and how much you feel at ease with risking.   Generally speaking the higher the risk, the higher the return.

Whatever you pick out, there is really no reason not to invest.  There are so many opportunities that can be tried with little investment and minor risk of loss.  If you are considering investing, it is easy to learn a little more about it to form your decisions of which way to go and then invest your money and watch it grow! The money you invest may return money for your college, kid’s college, retirement, to buy a house or whatever your needs are. There’s no reason not to get started today.  Visit  InvestorSmarts.com for a list of various Investment Topics to increase your knowledge.

Most Expensive Cities for Car Insurance – And 3 Best Ways to

Posted: 23 May 2011 07:13 PM PDT

Car insurance isn’t cheap – but it is cheaper in some places than others.

How much does General Liability Insurance cost for a sole proprietor?

Posted: 23 May 2011 02:44 PM PDT

I am planning on starting a sole proprietorship doing illustration design. How much would General Liability Insurance cost me?
It would be just me no hiring outside of that. I would be in California and it would be to cover something like a client coming into my home office tripping over something and also artwork and equipment being stolen or damaged.

★ Military Family Personal Installment Loan Story

Posted: 23 May 2011 12:03 PM PDT

www.ResponsibleConsumerLoans.org About Responsible Consumer Loans This website is dedicated to providing information about the small-dollar personal loan industry, its history and current financial news. We look at how the personal installment loan industry began and how these loan products continue to serve consumers today. Small-Dollar Personal Installment Loan The traditional small-dollar personal installment loan has been the responsible, affordable, and safe lending option for consumer’s borrowing needs for the past 100 years. Here’s why: A Long History We are a licensed and regulated industry that was created over 100 years ago to provide responsible, affordable, and safe small-dollar personal loans. Our loans are given one-on-one. Customers can call to request a personal loan and then come in to discuss their budget and needs. Uncomplicated Simplicity Our personal loans are simple and straight forward with no tricks or traps. They are fixed rate, simple interest, small-dollar loans with no hidden terms or confusing wording. Safe & Responsible Our loans are high touch—a one‐on‐one credit product that promotes accountability and financial success for the borrower and lender. Our lending is conducted the “old fashion way,” face to face. Applications are taken, information is verified, and budgets are reviewed. When our customers succeed, we succeed! Disciplined & Sensible With the traditional personal installment loan, debt is reduced on a timely schedule that helps …

Posted by Blogku at 7:09 AM

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