Are You Ready to be Fired!
Your boss has just informed you that your department is being reduced by two and you are fired. After he leaves, what are you going to do? This is not about finding a job its about being prepared for financial change. How you prepare for employment change is different for everyone. Being prepared ... more...

Can Pain Be A Motivator?
Carol was a new client. She had been looking for a job for several weeks and wasnt having much success. As with most of my clients I asked her to envision herself working in the job she really wanted. As we talked she was really excited about the possibilities. I really caught her short though ... more...

Loan Basics: What are Secured Loans?
Secured loans are one of the most popular personal loans options available today. Their popularity is based on the fact that interest rates are usually lower than other types of loan, and repayments are available over longer time periods.A secured loan provides a means to raise a cash lump sum ... more...

Secured Loans Guide
Secured loans are becoming increasingly popular due to their flexibility. Basically, a secured loan is one for which you provide some form of collateral in order to cover the amount borrowed in the loan. A secured loan is a loan on which you as the borrower have provided the lender some kind of ... more...

Marketing's Magic Bullet
Hundreds of "consultants" make millions of dollars each year teaching seminars and boot camps, and selling newsletters about marketing's magic bullet - that one simple thing you can do to fill up your register with virtually no effort on your part.People buy this tripe because they want "simple" ... more...

Why Does the UK Personal Loan Market Offer Such Poor Choices for Consumers?
The United Kingdom has one of the most regulated financial services market with a powerful and well-funded regulator maintaining an orderly and stable market. The Financial Services Authority creates implements and polices the vast array of regulations relating to Banks, Insurance Companies, ... more...

Your Credit Score: Make the Numbers Work For You
Your credit file is all about how you borrow money. Using a formula, credit agencies rate how well you pay back that money. Your credit score tells loan officers how you manage the credit offered to you. Your score tabulates:* Your credit payment history: Did you make any late payments? How often? ... more...

Wake Up Baby Boomers Theres Still Time
Over 90% of all retired Americans will be forced to live on less than $12,000 a year!Yes, I have to admit it. I am an aging Baby Boomer! Our first grandchild was born last year. Does it make me feel older? Not necessarily. Its all a matter of outlook and attitude to life.O.K. Physically Im ... more...

Like Brushing Your Teeth
What do the following things have in common: brushing your teeth, regular exercise, eating a balanced diet, paying your bills on time, cleaning your gutters, spending quality time with your spouse and kids?Theyre all forms of regular self-care that, if you neglect them for a period of time or take ... more...

Baseball is Tarnished by Giambi and Other Steroid Users
I heard an ESPN analyst on the radio defending Jason Giambi. He wasn't excusing Giambi for using steroids, but he was certainly not condemning him, either. "He wasn't the only one doing it," the analyst said. Wow! I said to myself. Unbelievable! It's unfathomable that a professional analyst ... more...

Home Equity Loan Information - How to Use One Wisely
Using a home equity loan to get out of debt or make improvements to your home is usually a smart move. You have earned the equity, so it only makes sense that you put it to good use. Usually this type of loan offers a lower interest rate than credit cards or traditional loans, so it is a wise ... more...

What is Your Challenge
January is almost over.Why do most New Years Resolutions fail?By now, many New Years resolutions would be thrown out,forgotten, shrugged off. There is always next year.Why do they fail? Perhaps, because these resolutions arerenewed, recycled, reworded every New Year, without a serious intent of ... more...

Save Time With a Bridge Loan
Why You Need a Bridge LoanYou have to move fast in todays housing market if you want to get into the home of your dreams. In cities such as Seattle or San Francisco its not uncommon for a buyer to receive half a dozen offers within the first day or two after putting the house on the market.Unless ... more...