Home Equity Loans – A Brief Guide

Unlike traditional secured loans that require collateral to be put up in return for the money, a Home Equity Loan is a way of borrowing money based upon the value of your house. The key word here is ‘equity’, which refers to the difference between the amount you owe on a mortgage and the actual value of the property – so, if you had a £150,000 mortgage but the house was valued at £250,000, then you’d have £100,000 worth of equity to play with. By using a Home Equity Loan, you could potentially free up that money and use it for a variety of things, from home improvements (which could increase the value of your home further) or a car to funding a child’s education, consolidating debts or even buying a second home. Thanks to the fact that you’re basically borrowing money on top of whatever mortgage you might already have, it’s no surprise that many people refer to Home Equity Loans as ‘second mortgages’.

Of course, the big catch with Home Equity Loans is that there needs to be equity available in your home before you can borrow against it. With home prices considerably lower than they were as little as five years ago, this might be difficult for some home owners and impossible for others, since a lot of people today are discovering that their homes are actually worth less than what they paid for them! If you’re considering a Home Equity Loan then, it’s important to check that there’s actually something you can borrow against before making an application, as being declined can be both embarrassing to yourself and potentially damaging to your credit rating.

You might also struggle to get a Home Equity Loan if you’re suffering from bad credit, since lenders might see you as a risk to lend the additional money to. In these circumstances, it may be better for you to consider a Bad Credit Loan or some other form of borrowing that you can secure on your home, without the need to extract equity from it.

Regardless of your circumstances though, there are two very crucial things that have to be considered before taking out a Home Equity Loan. Firstly, do you really need it? There are many other different types of loan product out there right now that could do the job just as well without putting the equity in your home at risk, so it might be worth considering those first instead. Just as important is the lender you’re going with – instead of accepting the first offer you get, check out a number of firms and, where possible, play them off of one another to ensure you’re going to get the best deal available. Every lender is different and you might discover some offers that wouldn’t otherwise have been available if you look hard enough; even if you’re in something of a rush to free up the cash, it’s always wise to look before you leap!

In Summary

A home equity loan…

  • Is often referred to as a second mortgage by lenders and banks
  • Allows you to borrow the difference between your home’s value and your mortgage amount
  • Requires there to be extra equity in your property before you can get one
  • Might be hard to get if you have a bad credit rating or other financial difficulties
  • Should always be considered thoroughly before you sign on the dotted line

Copyright: Individual Finance, 2010

Paper Money For Kids

Paper money was first issued in the United States on March 10, 1862, and became legal tender by an act of Congress seven days later. Today, collecting paper money from around the world (also known as banknotes) is gaining in popularity. With a little imagination, a foreign banknote in your hand can take you on an flight of fancy around the world. Fasten your seat belts, here we go with this week’s website picks.

Collecting Paper Currency for Fun

Cael Chappell has been collecting banknotes for fifteen years, and has written an excellent introduction to the hobby. His first piece of advice is to collect for fun, not for profit. Second is to choose the type of collection you want. Do you want to specialize in a particular continent or country? Or collect banknotes with specific images such as birds or trains? Many collectors strive for a collection that includes a banknote from every country that produces paper money. Another of Cael’s invaluable pages is Anatomy of a Banknote, which explains the terminology of paper money.

Department of Treasury Learning Vault

Every day the U.S. Bureau of Engraving and Printing prints approximately 22.5 million paper notes in denominations ranging from $1 to $100. This page answers Frequently Asked Questions such as “What is the largest denomination ever printed?” Answer: “$100,000 Gold Certificate of 1934 featuring the portrait of President Wilson. This note existed only for official transactions and none of them ever circulated outside Federal Reserve banks.”

Foreign Currency

Randy Johnson says he is “not a serious collector,” but simply starting picking up paper money as he travelled. His online collection from twenty-seven countries is a “feast for the eyes” with samples “chosen not for their value or rarity, but only for their beauty and interest.” Each of Randy’s scanned banknotes is accompanied by his description. After looking at this collection, you might start wondering, as I did, what line of business takes Randy to all these foreign locales. Making a living as a computer programmer, Randy has spent ten of the last twenty years living overseas.

Make Money Selling Affiliate Products

These easy money ideas can help you get easy money online. Are you wanting to know how to earn fast money, and discover ways to find fast Money making ideas? In this article I will be teaching you how to make easy money. There are a lot of incorrect, Money making ideas out there. And because there are so many, I am going to reveal to you how to make money with affiliate products. Making money with affiliate products is a very simple way to make money online. Because you don’t have the stress about your product that you are promoting.

One reason I like selling affiliate products, is because I do not have the hassle of preparing a specific project. Also, all I need to do is basically create traffic towards my website, and put a banner up. And if I get a certain amount of views per day, several people may cater to click on that banner. And if they click on that banner, it will take them towards the website that I am being in affiliate with. And if they buy the product, that I promoted, then I can either get 50% or 75% of the commission. I think that being in affiliate, can make a lot more money than any other money making ideas. Because some affiliate products can cost up to $200, and you will get 50% of that or maybe 75%.

So I think that you need to pick a product, that others would buy, and promote their website onto yours. Then all you need to do is promote their website, where visitors are able to see. Then, get lots of visitors per day. Once you have been getting several visitors per day, then you can promote more than one website at a time. This way you can have one expensive affiliate product, and one not so expensive affiliate product. I would definitely suggest that you promote a specific product, and try to make additional money with your Google AdSense. You can make up to double the money if you are using Google AdSense and promoting other products on your website.

Make Money With Your Computer The Easy Way

Your computer is a cash-crow, literally: You can turn your computer into your mobile office or create multitude of online shop-fronts that could generate multiple streams of income for you for a very long time to come. In other words, to make money with your computer is a very easy thing to do. If you understand the principles that deliver the almost limitless possibilities of internet marketing, then from that moment of understanding, money ceases to be your problem for life.

Your Computer As A Cash-Craft

Your computer is a tool that can make you financially free. The advent of the internet technology was a redefining moment for the global business entrepreneurs. Still growing today, the number of online transactions is rapidly increasing – and it’s beginning to threaten some traditional business forms. The computer makes international transaction and communication very easy. You can afford to not know the person transacting business with you. You can afford not to know the product you are selling or the producer of the product in any way. The important thing is that money changes hands and you are paid a handsome profit for a product you have promoted.

5 Major Ways To Make Money With Your Computer

I would briefly enumerate five ways to make money online in this paragraph:

Drop-shipping: Helping people sell their products – physical or digital – for a pre-agreed percentage of the sales;

Affiliate Marketing: helping people sell their digital products – software or e-books – they are cheap to produce and costs nothing to prepare and deliver the product. Affiliate payments can usually be as high as 75%;

eBay & Amazon: Make money selling some stuff from the house or items from the car-booth sales

Article Marketing: Using your computer to write interesting articles that add value to a product and if you refer 1000 people to only one product, between ten and forty should buy is likely to buy.

Search Engine Optimization (SEO): SEO Marketing for small businesses, offices and corporate bodies

The Computer As A Cash Vault

The metaphor here is to show how loaded the computer is and the necessity to unpack its e-Commerce functions. You need to understand the basic potentials of the computer in order to optimize it. With a good knowledge of the principles of e-Commerce and other online business ideas, you can easily make your computer to function as a cash-vault – literally. The potentials of the computer as an avenue to make money is redefining the work-life balance in the society as well as the global marketplace. As a Cash Vault, metaphorically speaking, to open it, you need to understand it not just own it.

Make Money With Your Computer Selling What You Don’t Own

Earlier in this article, we have already enumerated how we can make money selling online through eBay and Amazon to make money. You must be aware, especially if the eBay option appeals to you to be very careful what you list on the eBay and how willing you are to abide by their decisions after the bidding war is over. It must also be noted that affiliate marketing also falls under this category. This involves selling digital product and getting paid commissions as high as 75% or more. First step to doing successful affiliate marketing is to start from Clickbank.com Every necessary detail is available there and the products in themselves would teach you what you need to get yourself started. I have also included a special package at the end of this paper in the URLs/links below. Take time to log on and read carefully.

Make Money With Your Computer Teaching Others How To Make Money

This section emphasizes how to teach through teleseminars and remote teaching systems. This system is really convenient for the students. They sign up and listen to the tutorial classes on any subject of the discussion. You can have as many as hundreds or even thousands of people signing up to your tele-seminar at a time. A good place to start putting ideas together for your tele-seminar is: no cost teleconference.com


Your understanding of how to make money with your computer can easily be as varied as your imagination can allow. What everyone needs is good financial education based on a good understanding of internet technology. Anyone and everyone can make money online. From selling your unwanted household items on eBay and Amazon.com to affiliate marketing, article marketing or drop-shipping. The options are almost limitless. Get out there and start making money with your own computer.

Ian Holloway memberi kita nya League Football prediksi play-off

M88 sport kami mencoba untuk mengubah hal-hal ketika kami pergi ke sana untuk mendapatkan gaji ke tingkat yang dapat diterima dan mendapatkan beberapa pemain muda di tim, yang memiliki rasa lapar yang tepat. Mereka tampak di tempat yang jauh lebih baik sekarang daripada ketika saya pertama kali berjalan di meskipun liga yang lebih rendah. Dengan salah satu dari mereka di ruang istirahat, seluruh klub yang menarik ke arah yang benar dan mereka harus mendapatkan pekerjaan yang dilakukan di Den.

m88 taruhan sport saya terpesona oleh Barnsley pada Sabtu – mereka yang sensasional dan Sam Winnall mereka bisa memiliki pemain terbaik di League One. Tidak hanya dia mesin gol, ia juga dapat mengatur rekan satu timnya juga. Cara dia menarik bola kembali untuk Adam Hammill untuk memaksa sendiri-gol itu sama-sama mengesankan seperti dua gol.

Walsall taktis seluruh tempat. Mereka mencoba untuk bermain berlebih-lebihan dan tidak memcahkan dampak penonton tuan rumah dan situasi – kadang-kadang Anda harus lebih berhati-hati. Mereka sekarang memiliki gunung untuk mendaki melawan tim Barnsley yang telah menunjukkan bentuk promosi otomatis di liga sejak Natal.

Accrington berada di perahu yang sama seperti Brighton. Mereka terjawab di promosi otomatis oleh kulit gigi mereka dan sekarang mereka menatap ke bawah laras play-off patah hati.

Namun, saya punya begitu banyak waktu untuk manajer mereka John Coleman dan saya bisa melihat mereka sampai ke Wembley. Meskipun mereka kehilangan pada hari terakhir, Coleman masih memiliki cukup kelas untuk mengirim txt untuk manajer Bristol Rovers Daryl Clarke mengatakan selamat. Aku punya titik lemah untuk Accrington dan meskipun Neil Ardley telah melakukan pekerjaan yang luar biasa di Wimbledon, saya pikir orang-orang Coleman pantas untuk naik.

The Secret To Making Money Online

Everyone wants to know the secret to making money online. Do you know what it is? There are many ways to make money online and perhaps the very best is to market other peoples products. This is very easy to do, once you know how. The first thing you need to do is find a product to market.

How do you know which product? Simple, you ask around and search for one. The product should be something that you like to do. If you like to lift weights, find a weight lifting product. If you like to make money, find a product that teaches others how to make money.

Once you find the product you want to showcase, you are half way there. Many products tell you how to market them with little to no money. Some of the products tell you nothing about how to market them to other people who might want to buy them.

The best thing to do is read other people’s reviews and see what others say about the product. If there is a video on the project, take the time to watch it and judge for yourself. Keep in mind that many products have a money back policy which allows you to try the product and see what it does or does not do. This is awesome because the risk is not on you or the person who tries the product. If it does not work or you don’t like it, you can get your money back in many cases. The best thing is to check the guarantee and see what it says.

The key to the   vault  when it comes to making  money  online is that you must take action. The truth is, everyone can and should make money online. Just take action and don’t give up. It is that easy!

Making Money With MySpace

MySpace should actually be called money space, because that is actually what it is, a place for the money folks to hang. Or perhaps more accurately a place where the money hangs for the grabbing. Many of the millions of MySpace users are surprisingly unaware of the   vault  in which they play. But of course everyone is not online with the goals of making money. And this is a good thing. It’s not a good thing when everyone is trying to sell everyone else an apple.

The fact is that Myspace is a marketers dream. But many marketers apparently don’t get enough sleep. What they fail to realize is that where there is traffic, there is the potential for income, and Myspace has a lot of traffic. Traffic which I must point out that every myspace user has access to, however they are unaware of how to use it. I will briefly discuss a few ways that a Myspace user could monetize their traffic.

First, there is community building. By simply doing what you currently do on Myspace, which is acquiring a gigantic list of friends you don’t even know. Which is quite a conundrum in itself as to why people do this with no hopes of cashing in. Well fortunately there is actual logic in their seemingly aimless actions. When you have gathered a large collection of friends, you can monetize this in many ways, two of which are as follows. You could sell your account to someone else, or if you have a website, you can get your friends to visit it in order to make sales or simply raise your websites popularity.

Secondly, you can establish your Myspace page as a force to be loved. By developing the content on your page, and by offering a valid resource to the Myspace community, such as advice, reviews, tips, etc, you could funnel Myspace traffic directly to your Myspace page, This traffic can be directed elsewhere for profit. This diversion can occur by making buying or surfing suggestions to your Myspace audience.

Thirdly, you can offer advertising space on your Myspace page. This would be an excellent method to combine with the second method given. Advertisers would pay healthily for a chance to have an ad on your high traffic Myspace page.

Fourthly, you can give away free resources on your Myspace page such as templates, scripts and legal music. This will gain you many friends and develop the popularity of your service and page. You can also offer these same resources at higher qualities for a fee, outside of MySpace.

Locating Unclaimed Funds Is More Convenient for the Public

As the pile of unclaimed funds is increasing, so is the awareness being spread throughout the country about the unclaimed money. In a collaborative effort, State and Federal governments have taken all the right steps in preserving the unclaimed and lost property. The fact that all the lost property from over the years is safe with the government is a great relief for most of the residents who are aware of the fact that they have unclaimed funds lying somewhere.

In a concerted effort with the federal government and other agencies, state governments have simplified the process of funds location and reclaim. The following improvements have been observed as part of the drive to reunite the lost funds with the actual owners:

  • Almost all the State governments have put up a very practical website which facilitates the claim process for lost funds or property. These websites guide the claimants towards taking the right steps for locating and claiming their lost funds.
  • Identify and accredit all the private ‘unclaimed property search agencies’ which can be termed as reliable for the search process.
  • State sponsored and managed public fairs assist any unclaimed funds or property owner on a walk-in basis. In most of the cases, on-the-spot claim of funds can be made. These fairs have been able to dispel a lot of myths about the process of unclaimed property claim.

If you have some funds which might be lying with some bank in any state, the process for claim is not very complex. One of the most common types of unclaimed money is in the form of unclaimed bank funds. The first task towards retrieving this unclaimed money is to identify the bank where the money might be located and whether the bank is still in business. The history of banks can be found on the Federal Deposit Insurance Corporation’s Web site at http://www.fdic.gov. Every type of bank can be found under the “Bank Find” tab. The unclaimed money can be requested within a period of one and a half years. After that the funds are handed over to FDIC.

Many fund claimants have a very pleasant surprise waiting for them when they discover their checks in the mailbox after only a couple of weeks of claim procedure. With all the information about the claim process laid out clearly on the website, form submission and entry is a very simple task and is performed with only a couple of clicks. With the joint effort of all the authorities, the process and avenues of claim have been simplified to a great extent over the years. After all these modifications, it can be performed by even the most novices of Internet operators. Many of the individuals who have successfully reclaimed their lost money have become the advisors and brand ambassadors for state and are helping their fellow citizens to reclaim their lost funds.

According to the Treasury department, “There is no government-wide, centralized information service or database from which information on unclaimed government assets may be obtained. Each individual Federal agency maintains its own records and would need to research and release that data on a case-by-case basis.”

Small Business Marketing Advice – The Promotion Idea Vault

Your Package–your face to the customer–is an asset much more valuable than most small business owners realize. For many companies, a promotions archive is a vital but untapped resource to aid in crafting profitable marketing campaigns.

Don’t let your promotions become buried treasure. Often our best creative breakthroughs get lost in the hustle-bustle of getting out an ad campaign, creating the next weekly ad for the newspaper, or penning the copy for a newsletter. We small business marketers are busy people. But here is a way for you to put some creative marketing “money” in the bank.

Build a Promotion Idea Vault. It’s easy, it’s fast, it’s cheap and it’s useful! Does it sound too good to be true? All that you need to do is to collect samples of your old ads, flyers, newsletters, coupons and email campaigns and store them in your Promotion Idea Vault.

Do you have a marquee out front that you create a new slogan for each week? Take a digital photo and then print it out. Are you planning on changing your website? Great–just make sure you archive hard copies of your current pages.

Why? Because if you just stack all these marketing gems in a corner filing cabinet they will become buried treasure…

…and you or your successor will have to initiate a scavenger hunt to find these old brilliant–or at least adequate–thoughts you once had.

Don’t let this happen to you. The key is to build in one quick step each time you create your marketing material and save a completed, printed copy. Here’s an easy way to remember what to do:

  • Insert
  • Label
  • Save

You’ll need a three-ring binder, about 30 clear sleeves, and a couple of sheets of 1 ½” labels. Sizes on all these materials are our suggestions; use what fits your promotions volume. Write or type the following on each label:

  • Date
  • Quantity produced (if applicable)
  • Contents
  • Media
  • Audience

Then, slide in your sample piece and stick the label on the clear sleeve. You’ve just saved a piece of your mind for later and saved yourself hours of time on some future promotion.

One next-to-last note: a digital or hard-copy backup of your vault is a must. Even if all you do is toss an extra copy of every brochure or sales letter or print ad in an old shoebox and store it offsite, at lest you’ll have backup in case catastrophe strikes your small business.

And a final note: building a Brand, grooming People, crafting and delivering a Package that reflects your Brand–all these take consistency and discipline. Incorporate this same disciplined consistency into archiving your marketing efforts (and failures!) and your small business will succeed where your competitors fail.

© 2006 Marketing Hawks

Property Trust Accounting Made Simple

As property managers we handle other people’s money on a regular basis. For example, when we collect a security deposit, we’re handling the tenant’s money and when we collect rent or pay a bill on behalf of a property owner, we’re handling the owner’s money. With all this money floating around, it’s critical that we know whose money belongs to whom. That’s where specialized accounting software designed for property management comes in; but having the right software is only half the battle. The other part is knowing your options for handling other people’s money (and the rules that go along with them).

Trust accounting to the rescue!

One accounting option is to keep everyone’s money in separate bank accounts. It’s the obvious choice and may in fact be the only one you’ve considered. It’s straight-forward and simple, so what’s the catch? The answer is time. Think about how long it takes to balance your own checkbook. Now multiply that by five, ten, or two hundred! That’s the number of checkbooks you’d have to balance if you had one bank account for each property owner.

So what’s the alternative? Having one bank account and doing something called trust accounting. Trust accounting sounds intimidating, but it’s really nothing more than keeping track of the money you’ve received, held and paid out on behalf of each property owner.

A bank   vault  full of safe deposit boxes

An easy way to think of trust accounting is to imagine a bank  vault  filled with safe deposit boxes, each belonging to a different property owner. Although everyone’s  money  is kept in the same  vault , each person’s stash is kept separate. Likewise, with trust accounting, even though everyone’s money is held in the same bank account, each owner’s money is tracked separately and accounted for.

Know the rules – check with your State before getting started

The first step to setting up a trust account is checking your state’s laws; when it comes to trust accounting none of us want to be the next Kenneth Lay. You should check the laws to make sure you are doing it correctly. Bear in mind that the account should be set up in the name of your company, not the name of the property owner. In the past, the IRS has seized funds in trust accounts because they had a lien against the property owner and the account was in the owner’s name. If you drop the ball and keep the money in the name of the property owner, the same could happen to you. And remember, there won’t be an IRS agent standing in front of your tenants explaining why their deposits were taken to pay a tax bill. It will be you!

No commingling

While you’re allowed to hold money from different property owners in a single trust account, you’re not allowed to commingle their money from an accounting perspective. In other words, you’re not allowed to pay money out on behalf of a property owner using other people’s money, even if you square things up later. The rules are even stricter when it comes to your money. It’s not enough to keep your money separate from an accounting perspective. In most cases, you’re also required to keep your money in a separate bank account.

Trust accounting – how hard can it be?

Trust accounting isn’t very hard, but it’s easy to slip up if you’re not careful. Let’s take a look at an example. Suppose you’re holding money that belongs to two different property owners in a trust account: Sam Shortfall and William Windfall.

Trust Account

Property Owner Owner Balance

Sam Shortfall $600

William Windfall $1000

Trust Account Balance $1600

Now imagine that a washing machine in one of Sam Shortfall’s properties is on the fritz. A pipe bursts and there is water everywhere. When all is said and done, there is a bill for $800. But wait… Sam Shortfall doesn’t have enough money in the trust account to cover the bill. What do you do?

The wrong way – use someone else’s money

No worries… there’s enough money in the trust account to cover it. You’ll pay the bill and withhold $200 ($800 bill – $600 cash on hand) from Sam next month when his rents come in. Sure you’re technically using someone else’s money, but you’ll square things up next month so what’s the big deal? Well, for starters it’s bad accounting. What happens when Sam Shortfall is short again next month? Are you going to continue to rob Peter to pay Paul? If that’s not reason enough, let’s go with the best reason not to do it; it’s against the rules.

The wrong way again – use your own money

OK. So you can’t use someone else’s money. That makes sense, but what if you use your own? You’ll just deduct it from Sam’s rents next month. Since it’s your money, you can do what you want, right? Wrong again. Do you really want to be in the loan business? Besides, commingling your own funds is almost always against the rules.

The right way – ask Sam for more money

The right way is to ask Sam for more money? What do you mean ask him for more money? He hired you to manage his property. He doesn’t want to be bothered by bursting pipes and pesky bills. Let’s do a quick reality check. Sam hired you to manage his property and pay bills on his behalf, but Sam still owns the property. That means Sam is responsible for coming up with the money and paying the bills, not you.

Use trust accounting

So what’s the bottom-line? Open a trust account and use trust accounting. Fewer bank accounts and fewer signature cards, means less time opening new accounts and less time spent reconciling them each month. But make it easy on yourself. Know the rules and get yourself the right software. Before long you’ll wonder how you got along doing things any other way.