The Myth of Search Engine Submission
Contrary to what most people think, it is not necessary to submit your site to the search engines. In the early days of the web, when search engine technology was still primitive and search engines' ability to crawl the web was somehow limited, it made sense to submit your site.Today, search ... more...

Payday Loan Companies - Are Their Rates Too High?
Payday loan companies do provide cash at higher rates than other types of credit programs. But these rates are for short periods, so fees are often small. While payday loans are not for every credit situation, they can help during a financial emergency.Are Rates Too High?Payday loan rates are ... more...

Real Estate Tip: Escrow Accounts -- Do You Really Need Them?
If you have a mortgage on your property, whether it's for your personal residence or a real estate investment, chances are you have an escrow account. But if you are working on building wealth through real estate, you may want to take a hard look at your escrow account (or accounts, if you own more ... more...

Real Estate Management Firms: Make Your Investment Easier
For those who want to invest in real estate, the biggest factor working against it is the substantial investment in time. Running a property can run you ragged - you have to fix it up, manage the tenants, look for new tenants, and generally do all the things you would have to do as a homeowner. ... more...

Bahamas Real Estate Guide to Permits, Residency and More
In 1993, the International Persons Landholding Act was put into motion to encourage foreigners to purchase a second home in The Bahamas. And it couldnt be simpler. If a foreigner buys a single family dwelling or vacant land to be used in the construction of such a dwelling, then he no longer needs ... more...

Useless Real Estate Middle Men and How to Avoid Them!
How do HomeGain, Realtor.com, Service Magic and other companies like this make money? These companies are called lead generation companies. They spend vast amounts of money advertising on TV, the Internet, radio, and in print so that youll go to their website to find information about real estate. ... more...

How To Get A Credit Card No Matter How Bad Your Credit Rating
Your credit is bad. Perhaps you have a string of unpaid bills haunting your past. Maybe you declared bankruptcy within the past 10 years, or defaulted on a student loan.All of the above can block your access to obtaining a major credit card, such as VISA or Mastercard.But bad credit is not the ... more...

Credit Traps Snag Consumers
Nearly 20 years ago I worked for a small consumer advocacy organization in Washington, DC. Each week we received sacks full of mail from consumers across the country requesting our list of credit cards with low interest rates and no annual fees. If you wanted a low interest rate on a credit card ... more...

From Foreclosure to Forbearance - The Art of Negotiation
As an active real estate investor you probably already know that the most important phase of your investment is when you buy the property. Most of us are getting the bargains in the foreclosure market. You will agree with me that the best time to buy is before the actual foreclosure. This is ... more...

Flipping Houses: Flipping Homes for Quick Cash
First, right off the bat, off lets tackle the Is flipping houses illegal? question. Flipping homes or flipping anything for that matter, real estate or otherwise, is perfectly legal. The term has recently been used in the mainstream media to describe what is essentially mortgage fraud. In a ... more...

Are You Ready For Undesired Events?
Planning for the undesired, accidents and possible unknowns in life. Recently, a remote friend of mine died during an accident. I dont feel particularly sad, but I was shocked to know because the scenario was quite dramatic.Whose responsibility is this when accidents happen? A more appropriate ... more...

What Is a FICO Score and How Do I Make It Work for Me?
Whether or not you receive a loan and what interest rate you get on your credit card may be determined by something called a FICO score. Named for Fair, Isaac & Co., a California-based company that developed the credit score, the FICO score is the most widely used scoring method to determine credit ... more...