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If you are residing in Canberra and wondering what you can do with your dwindling
Wondering why I should sell my business, well as the economy is hitting everyone hard many businesses in the country are feeling the heat too. So it?s never too late to have a change and start afresh in business, so to get the best price for the current business approach Capital Commercial Business, they are in fact really good. It is their business to sell and purchase business and that is fine manner of business. Hardships can be seen everywhere, from the US to UK and Canada to Australia every developed and developing nation is receiving a spanking in their respective
Now for those who are looking forward to start afresh, sell your current business through our
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Do you need some window improvements for your residence? You don?t need to renovate the complete wall to give way for new window styles but rather you can opt for the latest windows with convenient installation features. They will definitely improve and make your home real elegant at a very affordable cost. These new windows will also be manufactured to have excellent ventilation inside the residence and lower utility expenditures. Burglars and stalkers are kept away with these types of window styles. It?s really crucial to decide on the correct windows to suit your home? not only because of the style, but the safety of your family. For the finest in energy efficient windows contact Tampa windows.
There are few things you need to keep in mind when you are going to buy new windows for your home. Those first timers and have no idea on window selection must first view a lot of home magazines or pictures regarding window panes. Those windows that have a single pane usually have marginal insulation and security compared to multiple panes that are proven and tested to give the best types of air ventilation around the residence. Some window panes, the dual ones in particular have this gas-filled section in between the two panes. The gas used in such a case is Argon and is really good for providing greater insulation. A lot of people actually want to use the dual or triple panes as a way to have better cooling or heating indoors.
The next thing you really need to do is to learn and check out the various types of glass for your windows. There are two types being used for windows, the plexiglass or the glass type which do have pros and cons in them. Glass provides cooling insulation and also less of heating. Plexiglass on the other hand can stand up to blunt forces better compared to glass. Glass can break very easily. Additionally, if you are quite conscious about UV rays, then you must use those window panes that have UV protection for your own good. The frames for your glass must also be double checked before purchasing. You have to check that the frames of the windows are firm and durable. Metal frames that are encircled with a layer of foam or rubber for better insulation could be a pretty good choice. To view the finest array of elegant replacement windows contact replacement windows Tampa.
Another thing you ought to ponder is the orientation of your windows. Windows need to be horizontally or vertically oriented. If you have a small room or walls that are narrow you should always go in for the vertical windows. Your window space will seem tall. If you prefer windows that are new for rooms that are large and big you can opt for the horizontal windows with wider window space. Living rooms particularly need horizontal windows.
You will have to check out the locks as well. Most of the windows these days use rotating latches. Moreover, the windows that sit horizontally usually have a locking security bar that can be put in place to hinder anyone from breaking in. Prices are critical also during investment. You must set aside a budget around $200 if you are to acquire the single paned windows. $400 would be for dual panes and nearly around $1000 for tri-pane windows. Warranties in newly purchased windows are needed to be checked. Thus, if you follow these standard guidelines when selecting the finest window for your house? then it is not a big problem for you when you would like to replace your windows for your convenience and comfort.
For the finest in energy efficient windows contact Tampa windows
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A solid currency trading strategy consists of entering a trade at the right place, having a stop that is properly calculated, and setting a reasonable profit target level that works time after time after time.
Many newer traders set too ambitious profit targets expecting the trade to be ?the big one? and hoping it will help offset the losses they have accumulated.
However, a far more effective currency trading strategy is to set a reasonable profit target each time, not expecting the home run, and being satisfied with smaller profits which on a consistent basis will build the equity in the account surprisingly quickly once the compounding action kicks in.
Here is where the Fibonacci tool comes in.
This article assumes a trader knows how to use the Fibonacci tool which comes as a standard technical analysis tool on most charting software packages.
While the key retracement levels are 38, 50, 62 and 70 percent, two extension levels are commonly used ? 1.27 and 1.62 percent.
The Importance Of Fib 127
It is the 1.27 level we are interested in.
Why?
Because price regularly gets to the 1.27 level, or at least within a few pips of it. Price also gets to the 1.62 level fairly often but not nearly as often as the 1.27 level.
So if you are trading with the trend, always a safe currency trading strategy, and price has pulled back to the 50 or 62 retracement levels, there is a very reasonable chance price will reach the 1.27 target.
If price pulls back to the 79 retracement level it may not go so far. If you trade from that retracement, you will want to take the first profit at the end of the swing as price may not extend beyond that point to the 1.27 or 1.62 level.
Some traders just focus on this currency trading strategy when going with the trend:
In at the Fib 50 retracement
Out at the Fib 127 extension
Why is this such a sound currency trading strategy?
Because the Fib 38 retracement level does not offer such a good risk reward ratio many times. There is always the risk price will pull back further and take out your stop.
On the other hand, price frequently fails to reach the 62 or 79 retracement levels so the trader is left on the sidelines as the trade fails to get filled.
The 50 level is frequently reached so the trader has a good chance of getting his order filled.
On the other hand, the 127 extension is not too ambitious. In at 50 and out at 127 will often net a profit of somewhere between 25 and 40 pips. With a 20 to 25 pip stop the risk reward ratio is satisfactory.
How To Use Fib 127
Here are some other factors to consider when using the Fib 127 extension:
Look to see if this level coincides with other factors such as
Even when targeting the Fib 127 as the profit taking point, it is wise to trim a couple of pips of the limit order. So often price will nearly reach Fib 127 and pull back.
Yes it might go on to touch it later but in the meantime price retraces and you have to have the mental stamina to be able to handle that.
Many traders would rather just take a slightly smaller profit and save themselves one or two hours of price consolidation with the risk they may lose the profit altogether.
A solid currency trading strategy develops over time. A key ingredient is not being too ambitious. The Fib 127 extension level is a reasonable profit target you can use regularly to extract your wages from the Forex market!
Currency Trading Strategy ? How To Use The Fib 127 For Consistent Profits
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Sliding Bifolding doors have become an extremely popular improvement towards the home, especially once we appear to be staying out within our properties with market conditions. Allowing unrestricted use of the backyard form the home with the result of optimum light getting into the space the bi-fold doors tend to be coming away. Many homes have opportunities that allow lots of light as well as air in order to enter; making the open up space sensation. For these types of large open up spaces such doors would be the perfect means to maximize light and open up plan living area.bifolding doors
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Article by Danny Nicholas
When you hear about anti-aging what do you think about? Can you place a finger on it? I believe anti-aging is multidisciplinary and is based on individual choices. Anti-aging is a lifestyle! Each mortal chooses how to progress down a certain path to health and well being. Below is a list of factors to think about in designing your own individualized anti-aging program.
Rev Up Your Metabolism
Aging is accompanied by a decrease in your metabolic rate and an associated increase in your fat storage. As such, your body fails to burn excess fat as we grow older. To combat this anti-aging effect we need to control our metabolic rate by increasing regular activities. The ideal way to do this is to perform a 20 minute cardio-vascular fitness program a few days a week to help rev up your metabolism. The ideal time to perform this fat burning workout is when you wake and before breakfast. This is the perfect time to workout because while you slept, your body depleted all the carbohydrates in your system, and since you have an empty stomach your body is forced to use your fat stores to wage energy for the workout.
Keep Your Heart Strong
Growing older also means a reduction in the capability of the heart to pump blood through the circulatory system. In addition, build up in the arteries also contributes to this reduced ability. Since your heart is a muscle its function and circulatory capability can be improved by aerobic exercise. Remember to always consult your physician when starting any fitness program. However, I once heard a physician state that if they could place exercise into a pill form, it would be the most prescribed pill known to mankind. As such, using exercise to keep the heart strong is an important bourgeois in any anti-aging program.
Your Brain is a Muscle Too!
Anti-aging research has shown that memory capacity declines if the brain is not involved in mental functions. Mental inactivity causes poor memory function or in some cases memory loss. Playing games, participating in social activities, problem solving, reading and writing will all help ?exercise? the brain. Exercising your brain will not only improve cognitive function but will also help eliminate boredom and depression.
Lung Capacity
Did you know that the oxygen uptake test, the one where they measure your lung capacity while your on a treadmill, is so accurate that if they gave a group of people the test and then had that same group run a distance race they could predict how apiece individual would place in the race before the race ended. With aging comes a reduced elasticity of the lungs and thus a reduced oxygen uptake or breathing capacity. Aerobic or cardio exercise is an anti-aging solution that will increase the breathing capacity of the lungs.
Increase Your Lean Tissue or Muscle Mass
As you age your metabolism slows and you begin to lose muscle. Actually, muscle loss is a symptom of aging. However, you can increase muscle mass, burn fat, and increase your metabolism all at the same time. This is accomplished through an aerobic weight training workout. By using light weights that you can repeat 12 to 15 times per muscle group you will not only increase muscle mass and metabolic rate but also reduce fat stores. In addition, strength training exercises will increase your lean tissue which in turn increases your basal (resting) metabolic rate. Combining an aerobic weight training workout with a diet high in accelerator and low in fat is a good begin for any anti-aging fitness program.
Stay Flexible
Stretching should be a part of any natural anti-aging fitness program. You not only warm up your muscles for the workout but also prevent any unnecessary injuries during the workout. Staying flexible will also eliminate any muscle cramping that is sometimes associated with aging. Moreover, being limber helps you perform superior in your day to day anti-aging activities.
Your View of Yourself
Does growing old mean avoiding the bathroom scale or looking into a mirror? The way you perceive yourself is very important to your overall physical, mental and spiritual self. People are flocking to physicians for expanding waistlines and hair loss. Their buying anti-aging skin care products and cosmetics for younger looking skin and the list goes on. Your long-term whole-body physical, mental and spiritual picture of yourself is an important bourgeois of your anti-aging program.
Bridge the Gap
Taking the steps necessary to take care of yourself will help you ?bridge the gap? to a longer life. Developing a solid anti-aging program and strategy is essential. Without a plan or a process things are just left up to chance. You yourself can only implement the steps that will take you down the path of becoming a centenarian.
In conclusion, anti-aging overall is multidisciplinary. It involves, in part, the 12 factors discussed here but also total whole-body wellness and longevity. It involves incorporating the ingredients of wellness and longevity into your lifestyle. Anti-aging is an individual process ? you decide what ingredients are part of the program. Anti-aging is what makes you feel good. It is what makes you ?anti-age?!
Read more essential anti-aging information at Online-Anti-Aging-Guide.com a favorite website for topics like anti-aging skin care as well as general anti-aging lifestyle tips including anti-aging diet and fitness resources.
About the Author
The author is a part-time writer who enjoys writing on a wide variety of topics and subjects of general interest.
Find More Aging Articles
Source: http://www.nekhealthdept.org/anti-aging-programs-eight-major-factors-to-consider.html
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You are here: Home ? Fitness ? Personal Training / Outdoor Fitness ? Learn To Be a Trainer
By admin onPersonal Training / Outdoor Fitness ? Learn To Be a Trainer
There is no better time than this to be a fitness trainer because of the interest that people are showing in improving their health and their appearance. The lack of exercise combined with easy availability of rich food has caused certain countries to be affected with an obesity epidemic. People all over the world are realizing the importance of staying fit and they are willing to pay good money to a fitness trainer who can help them get into shape. However, there are many fitness trainers offering their service which makes it important for them to offer something unique that can really grab the attention of potential customers. If you are planning to be a fitness trainer then you should consider offering personal training / outdoor fitness.
Most people who have tried to get fit have at least one experience of a gym. If this experience has been a negative one then it is unlikely that they will come back for more. In fact, the biggest complaint of people who have difficulty losing weight is that they hate to exercise in a gym and are looking for a better option. The other common complaint of using a gym is that one invariably has to wait for a specific machine because there is someone else working on it. This makes them work on a machine they do not like or it wastes a lot of their time. There is a large population of people sharing these complaints which creates a lot of potential for you. You could offer them personal training / outdoor fitness as an attractive alternative to being in a boring gym.
There is great demand for personal training / outdoor fitness because it takes place right in the open air amidst greenery. People prefer working out in the open with a trainer because there is no question of breathing in stale air or using equipment that has been made sweaty by someone else. There is a special pleasure to be had from exercising out in the open under the blue skies and people are willing to pay a premium for this. They also get better attention from the trainer because the classes are usually individual or a very small group at the very least.
This could be a very lucrative business for you because you will not have to invest any money in equipment. Getting trained to become a personal training / outdoor fitness instructor will include learning exercises that can be done on existing infrastructure such as swing sets, bleachers, stairs, steps, monkey bars and open spaces. You will not even have to spend money on renting an establishment. You can choose to have a single client at a time or a small group, with the price being fixed accordingly so that you are amply rewarded for your time. The best thing about this business is that you are the complete master of your time and effort since there is no question of you sharing your profit with a partner.
Are you sick of being unfit? Click below for all your Group Fitness Melbourne information and class times. Health Angels specialise in outdoor fitness for all types of people including special Mums and Bubs Melbourne fitness classes.
You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
Source: http://health.foxxbrain.com/2011/09/27/personal-training-outdoor-fitness-learn-to-be-a-trainer/
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Whether you?re selling a home or dwelling in one, porch appeal is always a plus! So I decided to punch up my own?last?weekend. The weather was great and pumpkins were at Walmart for $3.88 each. But not only because I found cheap pumpkins? It?s my favorite time of year too. I also relish the idea of having passersby enjoy the view of my home on their morning or evening walks. I love looking at my neighbor?s homes as well and what they do and I hope to invigorate and inspire them too.?The same sentiment should be?said about prospective home buyers too.
Here are the simple steps to create your own pumpkin topiaries too. Here?s what you?ll need:
My total cost (without taking into account the price of the previously purchased pot) was $28 for each container which I anticipate will last through Thanksgiving.
How to create the Pumpkin Topiary:
Place one wreath at the opening of your pot. (I had to pull away/move gently the leaves and the faux gourds on this wreath so the large pumpkin once placed on it wouldn?t be hindered [unstable] by them)
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Ben Smith, who runs a very popular, and powerful political blog on Politico, just published the following article, where he blasts the Bloomberg Administration and NYPD Commissioner Ray Kelly:
It?s Mike Bloomberg?s third term, and it seems to be going pretty much like the third terms of many politicians who can?t quite let go after eight years: Very badly.
Bloomberg, who seemed to be clawing his way back from a serious hit to his popularity following a snow storm, is now forced to cope with the impression that his powerful police commissioner is out of control, and that he lacks the sort of technocratic control of his government that has always been the central reason that New Yorkers ? who never loved him ? respected him.
A few weeks ago, the AP broke the first in a series of stories suggesting the New York Police Department had broadened its own remit (in concert with the CIA, which is now investigating its own role) to spy on mosques in a generalized way, and ? perhaps more politically damaging in a liberal city that prides itself on diversity ? to track ethnic groups per se, monitoring Moroccans in general. Bloomberg called the story ?factually wrong,? despite leaked documents, and refused to elaborate.
Today?s black eye for the NYPD is video of a high-ranking officer spraying mace in women?s faces at a medium-sized anti-Wall Street protest. Kelly?s spokesman called the move ?appropriate? and suggested the video was edited.
Also today, Bloomberg?s top political aide is the first in a series to testify in the messy corruption trial of a political consultant who took $1 million from Bloomberg in what was widely taken as a deal for a third-party line, and then allegedly didn?t work for the money. Bloomberg?s campaign hasn?t been charged, but does not exactly emerge squeaky clean.
Bloomberg?s relationship with Kelly has always been complicated, with Kelly the one indispensible employee, and the one Bloomberg and his staff can?t quite order around. The buck will likely stop with the NYPD, not the mayor, on the latest incidents ? but they exacerbate the impression that Bloomberg doesn?t quite have his hands on the levers that run the city . To the extent that there are still public Bloomberg critics, this charge ? of incompetence, basically ? has largely come from the right, at the greatest length in this Commentary article by Sol Stern and Fred Siegel. It echoes in a Times story today on a badly botched IT project.
If there are executives who have rescued third terms after letting them slip this far, I can?t think of one. And it makes a third party run for president both alluring for Bloomberg insiders and extremely hard to envision.
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Source: http://www.theyeshivaworld.com/?p=104467
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Americans Are $2.45 Trillion Dollars in Debt! (source: Federal Reserve?s G.19 report on consumer credit, released July 2011).
The average Canadian family is dealing with $100,000 in debt and owes far more than it earns, according to a new report (source: The Vanier Institute of the Family).
Many divorced women think that because they are managing to pay their bills and nobody is knocking on the door to take their stuff away that they are not in debt. Think again!
To find out if you are in debt, you must calculate your net worth. You do that by taking all your assets and subtracting all your liabilities.
NET WORTH CALCULATOR
Financial Asset Examples
· Life Insurance
· Bank Accounts
· Retirement Accounts (RRSP, RIF, 401K, IRA, SEP)
· Company Pensions
· Mutual funds
· Stocks
· Bonds
· Garanteed Investment Certificates (GIC)
· Tax Free Savings Account (TFSA)
· Cash (CDs, money market funds)
· Non RRSP investments
· Pension/LIRA
· Other
Personal Asset Examples
· Boats and other recreational vehicles
· Home
· Vacation Property
· Furniture and Appliances
· Art
· Jewelry
· Collectibles
· Vehicles
· Other
Non Financial Asset Examples
· Real Estate
· Business Ownership
· Other
MINUS
Liabilities Examples
· Line of Credit
· Car Loans
· Credit Cards
· Home Mortgage
· Mortgage on Other Properties
· Student Loans
· Home Equity Loan
· Cash Advances
· Taxes Owed
· Medical Bills
· Alimony Owed
· Child Support Owed
Now, if your assets minus your liabilities is a positive amount, you are in good shape! If your assets minus your liabilities is a negative amount, you are IN DEBT!
What is Debt?
As per Merriam-Webster dictionary, debt is an amount of money that you owe to a person, bank company etc. It can include the amount borrowed and interest accumulated. Debt can include credit card debt, mortgage debt, car/truck debt, student loans etc. According to money-zine.com ?Based on the 2010 Census statistics, that works out to be nearly $7,800 in debt for every man, woman and child that lives here in the U.S.?
5 Tips To Get Out Of Debt
You can get out of debt if you are committed and diligent. It may take a while and if you stay focused on your goals, the rewards will be worth it. Here are a few tips that can help. Pick one, two, three or all four. The faster you work at this, the faster you will succeed.
1. Prepare And Stick To A Budget. A budget is a way to control your expenses. Since you have little control over the amount of money that comes in, you have to control the money that goes out.
· List all your current income streams
· Make a list of all of your monthly expenses
· Compare your income to your expenses
· Stay on budget and avoid any new debt
2. Cut Up Your Credit Cards. One way to get out of debt is to stop using your credit cards. The easiest way to do this is to simply cut them up. Once you are out of debt and have learned how to better manage your money, you can apply for a new card. And then, you will get a better rate because you are debt free!
3. Lower Your Interest Rates. Nowadays, credit cards have unbelievably high interest rates and you end up paying more in interest than the original amount you borrowed. You can get credit card companies to lower their interest rate. You just have to call and ask.
· On a $5,000 balance, if you paid $150.00 per month
· 20% interest, it will take you 50 months to get rid of your debt
· You will pay $2,359.09 in interest.
· On a $5,000 balance, if you paid $150.00 per month
· 16% interest,it will take you 45 months to get rid of your debt
· You will pay $1,656.82 in interest.
That?s $702.27 less!
And talk to your bank manager about the interest rate on loans and mortgages. If you don?t ask, you will never get, as they will surely not offer. Check out the different kinds of mortgages to see which one is better suited to your current situation. Ask about Variable Rate vs Fixed Rate Mortgages.
4. Double Up On The Minimum Payments. It is amazing how much you can save by this one tip alone. For example:
· Pay the minimum on a $5,000 debt
· It will take you over 300 months to get rid of your debt
· You will pay over $9,194.47 interest.
· Paying double the minimum on a $5,000 debt
· It will take you 120 months to get rid of your debt
· You will pay $2,445.32in interest.
That?s 180 months (15 YEARS) and $6749.15 less!
I know you will tell me that you continue to have balances on your credit card because you usually don?t have any free cash left after you pay all your bills and the minimum credit card payments. You must review your budget every month and find expenses that you can cut out. Every time you can do this, use the extra money to double up the minimum payment of the credit card with the most debt. Once that card is done, then do the same for the next card etc.
For mortgages, consider making bi-weekly payments instead of monthly payments. Take a look at this example:
? You have a $200,000 mortgage
? Fixed rate at 7%
? 30 year term
If you have a bi-weekly mortgage payment, you will save a total of $68,925 in interest as opposed to making one payment a month.
5. Debt Counseling. If you are overwhelmed with the very idea of getting out of debt, there are many companies that offer debt consolidation and debt relief plans and counseling to help you. They can help you avert bankruptcy and be free of collection agencies. They can get you down to one monthly payment for all your debts.
For access to Free Money Tools, articles and more that can help you manage your budget and your debt, go to we all deserve to be financially free.
From Carol Ferguson ? Your Friendly Budget Gal and LifeContinuesAfterDivorce.com
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ByCarol Ferguson
|
Americans Are $2.45 Trillion Dollars in Debt! (source: Federal Reserve?s G.19 report on consumer credit, released July 2011).
The average Canadian family is dealing with $100,000 in debt and owes far more than it earns, according to a new report (source: The Vanier Institute of the Family).
Many divorced women think that because they are managing to pay their bills and nobody is knocking on the door to take their stuff away that they are not in debt. Think again!
To find out if you are in debt, you must calculate your net worth. You do that by taking all your assets and subtracting all your liabilities.
NET WORTH CALCULATOR
Financial Asset Examples
· Life Insurance
· Bank Accounts
· Retirement Accounts (RRSP, RIF, 401K, IRA, SEP)
· Company Pensions
· Mutual funds
· Stocks
· Bonds
· Garanteed Investment Certificates (GIC)
· Tax Free Savings Account (TFSA)
· Cash (CDs, money market funds)
· Non RRSP investments
· Pension/LIRA
· Other
Personal Asset Examples
· Boats and other recreational vehicles
· Home
· Vacation Property
· Furniture and Appliances
· Art
· Jewelry
· Collectibles
· Vehicles
· Other
Non Financial Asset Examples
· Real Estate
· Business Ownership
· Other
MINUS
Liabilities Examples
· Line of Credit
· Car Loans
· Credit Cards
· Home Mortgage
· Mortgage on Other Properties
· Student Loans
· Home Equity Loan
· Cash Advances
· Taxes Owed
· Medical Bills
· Alimony Owed
· Child Support Owed
Now, if your assets minus your liabilities is a positive amount, you are in good shape! If your assets minus your liabilities is a negative amount, you are IN DEBT!
What is Debt?
As per Merriam-Webster dictionary, debt is an amount of money that you owe to a person, bank company etc. It can include the amount borrowed and interest accumulated. Debt can include credit card debt, mortgage debt, car/truck debt, student loans etc. According to money-zine.com ?Based on the 2010 Census statistics, that works out to be nearly $7,800 in debt for every man, woman and child that lives here in the U.S.?
5 Tips To Get Out Of Debt
You can get out of debt if you are committed and diligent. It may take a while and if you stay focused on your goals, the rewards will be worth it. Here are a few tips that can help. Pick one, two, three or all four. The faster you work at this, the faster you will succeed.
1. Prepare And Stick To A Budget. A budget is a way to control your expenses. Since you have little control over the amount of money that comes in, you have to control the money that goes out.
· List all your current income streams
· Make a list of all of your monthly expenses
· Compare your income to your expenses
· Stay on budget and avoid any new debt
2. Cut Up Your Credit Cards. One way to get out of debt is to stop using your credit cards. The easiest way to do this is to simply cut them up. Once you are out of debt and have learned how to better manage your money, you can apply for a new card. And then, you will get a better rate because you are debt free!
3. Lower Your Interest Rates. Nowadays, credit cards have unbelievably high interest rates and you end up paying more in interest than the original amount you borrowed. You can get credit card companies to lower their interest rate. You just have to call and ask.
· On a $5,000 balance, if you paid $150.00 per month
· 20% interest, it will take you 50 months to get rid of your debt
· You will pay $2,359.09 in interest.
· On a $5,000 balance, if you paid $150.00 per month
· 16% interest,it will take you 45 months to get rid of your debt
· You will pay $1,656.82 in interest.
That?s $702.27 less!
And talk to your bank manager about the interest rate on loans and mortgages. If you don?t ask, you will never get, as they will surely not offer. Check out the different kinds of mortgages to see which one is better suited to your current situation. Ask about Variable Rate vs Fixed Rate Mortgages.
4. Double Up On The Minimum Payments. It is amazing how much you can save by this one tip alone. For example:
· Pay the minimum on a $5,000 debt
· It will take you over 300 months to get rid of your debt
· You will pay over $9,194.47 interest.
· Paying double the minimum on a $5,000 debt
· It will take you 120 months to get rid of your debt
· You will pay $2,445.32in interest.
That?s 180 months (15 YEARS) and $6749.15 less!
I know you will tell me that you continue to have balances on your credit card because you usually don?t have any free cash left after you pay all your bills and the minimum credit card payments. You must review your budget every month and find expenses that you can cut out. Every time you can do this, use the extra money to double up the minimum payment of the credit card with the most debt. Once that card is done, then do the same for the next card etc.
For mortgages, consider making bi-weekly payments instead of monthly payments. Take a look at this example:
? You have a $200,000 mortgage
? Fixed rate at 7%
? 30 year term
If you have a bi-weekly mortgage payment, you will save a total of $68,925 in interest as opposed to making one payment a month.
5. Debt Counseling. If you are overwhelmed with the very idea of getting out of debt, there are many companies that offer debt consolidation and debt relief plans and counseling to help you. They can help you avert bankruptcy and be free of collection agencies. They can get you down to one monthly payment for all your debts.
For access to Free Money Tools, articles and more that can help you manage your budget and your debt, go to http://www.lifecontinuesafterdivorce.com
Because we all deserve to be financially free.
From Carol Ferguson ? Your Friendly Budget Gal and LifeContinuesAfterDivorce.com
Article Source:http://EzineArticles.com/?expert=Carol_Ferguson
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Ads By Google?);for(i=0;i ?);}]]>]]>Ads by Google ?;s += ??; document.write(?+s+? ?);return;}google_ad_client = ?pub-3754405753000444?;//2008-03-18: EA- ROS google_ad_channel = ?1904239528?;google_ad_output = ?js?;google_ad_type = ?image?;google_image_size = ?300?250?;google_feedback = ?on?;google_hints = ?divorced women debt, debt,budget,assets,liabilities,credit cards,interest rates,payments,mortgage?;google_ad_region = ?test?;// ?>]]> ? 2011 EzineArticles.com Click here to view rest of article from original site Tags: assets, budget, debt This entry was posted on Tuesday, September 27th, 2011 at 9:34 pm and is filed under Real Estate Information. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed. Linux s1.agrohost.com 2.6.18-164.11.1.el5.028stab068.5 #1 SMP Mon Mar 15 19:26:36 MSK 2010 x86_64Similar Articles
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Ferguson, Carol?Divorced Women ? Are You in Debt and Don?t Even Know It?.?Divorced Women ? Are You in Debt and Don?t Even Know It?.27 Sep. 2011EzineArticles.com.27 Sep. 2011 http://ezinearticles.com/?Divorced-?Women-?-?-?Are-?You-?in-?Debt-?and-?Dont-?Even-?Know-?It?&id=6589317>.
Ferguson, C. (2011, September 27). Divorced Women ? Are You in Debt and Don?t Even Know It?. Retrieved September 27, 2011, from http://ezinearticles.com/?Divorced-?Women-?-?-?Are-?You-?in-?Debt-?and-?Dont-?Even-?Know-?It?&id=6589317
Ferguson, Carol ?Divorced Women ? Are You in Debt and Don?t Even Know It?.? Divorced Women ? Are You in Debt and Don?t Even Know It?EzineArticles.com. http://ezinearticles.com/?Divorced-?Women-?-?-?Are-?You-?in-?Debt-?and-?Dont-?Even-?Know-?It?&id=6589317EzineArticles.com
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Americans Are $2.45 Trillion Dollars in Debt! (source: Federal Reserve?s G.19 report on consumer credit, released July 2011).
The average Canadian family is dealing with $100,000 in debt and owes far more than it earns, according to a new report (source: The Vanier Institute of the Family).
Many divorced women think that because they are managing to pay their bills and nobody is knocking on the door to take their stuff away that they are not in debt. Think again!
To find out if you are in debt, you must calculate your net worth. You do that by taking all your assets and subtracting all your liabilities.
NET WORTH CALCULATOR
Financial Asset Examples
· Life Insurance
· Bank Accounts
· Retirement Accounts (RRSP, RIF, 401K, IRA, SEP)
· Company Pensions
· Mutual funds
· Stocks
· Bonds
· Garanteed Investment Certificates (GIC)
· Tax Free Savings Account (TFSA)
· Cash (CDs, money market funds)
· Non RRSP investments
· Pension/LIRA
· Other
Personal Asset Examples
· Boats and other recreational vehicles
· Home
· Vacation Property
· Furniture and Appliances
· Art
· Jewelry
· Collectibles
· Vehicles
· Other
Non Financial Asset Examples
· Real Estate
· Business Ownership
· Other
MINUS
Liabilities Examples
· Line of Credit
· Car Loans
· Credit Cards
· Home Mortgage
· Mortgage on Other Properties
· Student Loans
· Home Equity Loan
· Cash Advances
· Taxes Owed
· Medical Bills
· Alimony Owed
· Child Support Owed
Now, if your assets minus your liabilities is a positive amount, you are in good shape! If your assets minus your liabilities is a negative amount, you are IN DEBT!
What is Debt?
As per Merriam-Webster dictionary, debt is an amount of money that you owe to a person, bank company etc. It can include the amount borrowed and interest accumulated. Debt can include credit card debt, mortgage debt, car/truck debt, student loans etc. According to money-zine.com ?Based on the 2010 Census statistics, that works out to be nearly $7,800 in debt for every man, woman and child that lives here in the U.S.?
5 Tips To Get Out Of Debt
You can get out of debt if you are committed and diligent. It may take a while and if you stay focused on your goals, the rewards will be worth it. Here are a few tips that can help. Pick one, two, three or all four. The faster you work at this, the faster you will succeed.
1. Prepare And Stick To A Budget. A budget is a way to control your expenses. Since you have little control over the amount of money that comes in, you have to control the money that goes out.
· List all your current income streams
· Make a list of all of your monthly expenses
· Compare your income to your expenses
· Stay on budget and avoid any new debt
2. Cut Up Your Credit Cards. One way to get out of debt is to stop using your credit cards. The easiest way to do this is to simply cut them up. Once you are out of debt and have learned how to better manage your money, you can apply for a new card. And then, you will get a better rate because you are debt free!
3. Lower Your Interest Rates. Nowadays, credit cards have unbelievably high interest rates and you end up paying more in interest than the original amount you borrowed. You can get credit card companies to lower their interest rate. You just have to call and ask.
· On a $5,000 balance, if you paid $150.00 per month
· 20% interest, it will take you 50 months to get rid of your debt
· You will pay $2,359.09 in interest.
· On a $5,000 balance, if you paid $150.00 per month
· 16% interest,it will take you 45 months to get rid of your debt
· You will pay $1,656.82 in interest.
That?s $702.27 less!
And talk to your bank manager about the interest rate on loans and mortgages. If you don?t ask, you will never get, as they will surely not offer. Check out the different kinds of mortgages to see which one is better suited to your current situation. Ask about Variable Rate vs Fixed Rate Mortgages.
4. Double Up On The Minimum Payments. It is amazing how much you can save by this one tip alone. For example:
· Pay the minimum on a $5,000 debt
· It will take you over 300 months to get rid of your debt
· You will pay over $9,194.47 interest.
· Paying double the minimum on a $5,000 debt
· It will take you 120 months to get rid of your debt
· You will pay $2,445.32in interest.
That?s 180 months (15 YEARS) and $6749.15 less!
I know you will tell me that you continue to have balances on your credit card because you usually don?t have any free cash left after you pay all your bills and the minimum credit card payments. You must review your budget every month and find expenses that you can cut out. Every time you can do this, use the extra money to double up the minimum payment of the credit card with the most debt. Once that card is done, then do the same for the next card etc.
For mortgages, consider making bi-weekly payments instead of monthly payments. Take a look at this example:
? You have a $200,000 mortgage
? Fixed rate at 7%
? 30 year term
If you have a bi-weekly mortgage payment, you will save a total of $68,925 in interest as opposed to making one payment a month.
5. Debt Counseling. If you are overwhelmed with the very idea of getting out of debt, there are many companies that offer debt consolidation and debt relief plans and counseling to help you. They can help you avert bankruptcy and be free of collection agencies. They can get you down to one monthly payment for all your debts.
For access to Free Money Tools, articles and more that can help you manage your budget and your debt, go to we all deserve to be financially free.
From Carol Ferguson ? Your Friendly Budget Gal and LifeContinuesAfterDivorce.com
Article Source:
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0){parent.location.href = self.document.location;}]]>
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?);}]]>]]>Carol Ferguson
BasicAuthor|6 Articles
Joined: May 12, 2009Was this article helpful?00 0) { var s0 = ?;s0 += ?Ads by Google
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ByCarol Ferguson
|
Americans Are $2.45 Trillion Dollars in Debt! (source: Federal Reserve?s G.19 report on consumer credit, released July 2011).
The average Canadian family is dealing with $100,000 in debt and owes far more than it earns, according to a new report (source: The Vanier Institute of the Family).
Many divorced women think that because they are managing to pay their bills and nobody is knocking on the door to take their stuff away that they are not in debt. Think again!
To find out if you are in debt, you must calculate your net worth. You do that by taking all your assets and subtracting all your liabilities.
NET WORTH CALCULATOR
Financial Asset Examples
· Life Insurance
· Bank Accounts
· Retirement Accounts (RRSP, RIF, 401K, IRA, SEP)
· Company Pensions
· Mutual funds
· Stocks
· Bonds
· Garanteed Investment Certificates (GIC)
· Tax Free Savings Account (TFSA)
· Cash (CDs, money market funds)
· Non RRSP investments
· Pension/LIRA
· Other
Personal Asset Examples
· Boats and other recreational vehicles
· Home
· Vacation Property
· Furniture and Appliances
· Art
· Jewelry
· Collectibles
· Vehicles
· Other
Non Financial Asset Examples
· Real Estate
· Business Ownership
· Other
MINUS
Liabilities Examples
· Line of Credit
· Car Loans
· Credit Cards
· Home Mortgage
· Mortgage on Other Properties
· Student Loans
· Home Equity Loan
· Cash Advances
· Taxes Owed
· Medical Bills
· Alimony Owed
· Child Support Owed
Now, if your assets minus your liabilities is a positive amount, you are in good shape! If your assets minus your liabilities is a negative amount, you are IN DEBT!
What is Debt?
As per Merriam-Webster dictionary, debt is an amount of money that you owe to a person, bank company etc. It can include the amount borrowed and interest accumulated. Debt can include credit card debt, mortgage debt, car/truck debt, student loans etc. According to money-zine.com ?Based on the 2010 Census statistics, that works out to be nearly $7,800 in debt for every man, woman and child that lives here in the U.S.?
5 Tips To Get Out Of Debt
You can get out of debt if you are committed and diligent. It may take a while and if you stay focused on your goals, the rewards will be worth it. Here are a few tips that can help. Pick one, two, three or all four. The faster you work at this, the faster you will succeed.
1. Prepare And Stick To A Budget. A budget is a way to control your expenses. Since you have little control over the amount of money that comes in, you have to control the money that goes out.
· List all your current income streams
· Make a list of all of your monthly expenses
· Compare your income to your expenses
· Stay on budget and avoid any new debt
2. Cut Up Your Credit Cards. One way to get out of debt is to stop using your credit cards. The easiest way to do this is to simply cut them up. Once you are out of debt and have learned how to better manage your money, you can apply for a new card. And then, you will get a better rate because you are debt free!
3. Lower Your Interest Rates. Nowadays, credit cards have unbelievably high interest rates and you end up paying more in interest than the original amount you borrowed. You can get credit card companies to lower their interest rate. You just have to call and ask.
· On a $5,000 balance, if you paid $150.00 per month
· 20% interest, it will take you 50 months to get rid of your debt
· You will pay $2,359.09 in interest.
· On a $5,000 balance, if you paid $150.00 per month
· 16% interest,it will take you 45 months to get rid of your debt
· You will pay $1,656.82 in interest.
That?s $702.27 less!
And talk to your bank manager about the interest rate on loans and mortgages. If you don?t ask, you will never get, as they will surely not offer. Check out the different kinds of mortgages to see which one is better suited to your current situation. Ask about Variable Rate vs Fixed Rate Mortgages.
4. Double Up On The Minimum Payments. It is amazing how much you can save by this one tip alone. For example:
· Pay the minimum on a $5,000 debt
· It will take you over 300 months to get rid of your debt
· You will pay over $9,194.47 interest.
· Paying double the minimum on a $5,000 debt
· It will take you 120 months to get rid of your debt
· You will pay $2,445.32in interest.
That?s 180 months (15 YEARS) and $6749.15 less!
I know you will tell me that you continue to have balances on your credit card because you usually don?t have any free cash left after you pay all your bills and the minimum credit card payments. You must review your budget every month and find expenses that you can cut out. Every time you can do this, use the extra money to double up the minimum payment of the credit card with the most debt. Once that card is done, then do the same for the next card etc.
For mortgages, consider making bi-weekly payments instead of monthly payments. Take a look at this example:
? You have a $200,000 mortgage
? Fixed rate at 7%
? 30 year term
If you have a bi-weekly mortgage payment, you will save a total of $68,925 in interest as opposed to making one payment a month.
5. Debt Counseling. If you are overwhelmed with the very idea of getting out of debt, there are many companies that offer debt consolidation and debt relief plans and counseling to help you. They can help you avert bankruptcy and be free of collection agencies. They can get you down to one monthly payment for all your debts.
For access to Free Money Tools, articles and more that can help you manage your budget and your debt, go to http://www.lifecontinuesafterdivorce.com
Because we all deserve to be financially free.
From Carol Ferguson ? Your Friendly Budget Gal and LifeContinuesAfterDivorce.com
Article Source:http://EzineArticles.com/?expert=Carol_Ferguson
Did you find this article helpful?00 Ads by Google
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?;} document.write(? + s + ?
?); return;}google_ad_client = ?pub-3754405753000444?;//EA-Relationships Post Divorce 160google_ad_channel = ?1655184927?;google_ad_output = ?js?;google_max_num_ads = ?7?;google_ad_type = ?text?;google_feedback = ?on?;google_hints = ?debt credit interest card?;google_ad_region = ?test?;// ?>]]>Get Involved0 commentsSuggest a topicArticle ToolsPrint this articleE-mail to a friendEzinePublisherReport this articleCite this articleStay InformedGet notified by email when new articles are added to this category or written by this author.
Subscribe to New Article Alerts:
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Ads By Google?);for(i=0;i ?);}]]>]]>Find More Articles Submitted On September 27, 2011. Viewed 0 times. Word count: 980.
Ads By Google?);for(i=0;i ?);}]]>]]>Ads by Google ?;s += ??; document.write(?+s+? ?);return;}google_ad_client = ?pub-3754405753000444?;//2008-03-18: EA- ROS google_ad_channel = ?1904239528?;google_ad_output = ?js?;google_ad_type = ?image?;google_image_size = ?300?250?;google_feedback = ?on?;google_hints = ?divorced women debt, debt,budget,assets,liabilities,credit cards,interest rates,payments,mortgage?;google_ad_region = ?test?;// ?>]]> ? 2011 EzineArticles.com Click here to view rest of article from original site Tags: assets, budget, debt This entry was posted on Tuesday, September 27th, 2011 at 9:34 pm and is filed under Real Estate Information. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed. Linux s1.agrohost.com 2.6.18-164.11.1.el5.028stab068.5 #1 SMP Mon Mar 15 19:26:36 MSK 2010 x86_64Similar Articles
Recent Articles
Ferguson, Carol?Divorced Women ? Are You in Debt and Don?t Even Know It?.?Divorced Women ? Are You in Debt and Don?t Even Know It?.27 Sep. 2011EzineArticles.com.27 Sep. 2011 http://ezinearticles.com/?Divorced-?Women-?-?-?Are-?You-?in-?Debt-?and-?Dont-?Even-?Know-?It?&id=6589317>.
Ferguson, C. (2011, September 27). Divorced Women ? Are You in Debt and Don?t Even Know It?. Retrieved September 27, 2011, from http://ezinearticles.com/?Divorced-?Women-?-?-?Are-?You-?in-?Debt-?and-?Dont-?Even-?Know-?It?&id=6589317
Ferguson, Carol ?Divorced Women ? Are You in Debt and Don?t Even Know It?.? Divorced Women ? Are You in Debt and Don?t Even Know It?EzineArticles.com. http://ezinearticles.com/?Divorced-?Women-?-?-?Are-?You-?in-?Debt-?and-?Dont-?Even-?Know-?It?&id=6589317EzineArticles.com
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