Archive for December, 2007

Personal Finance - Applying for a Personal Loan

There are numerous reasons why a personal loan may be required, home improvements, car purchases, holidays or new furniture. Make sure you understand what type of loan you are taking out, if it is secured against your property or an unsecured loan.

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Qualifications Required For Commercial Loans

Have your money in your pocket

A down payment of 20-30% will be required. This is determined by the asset type that you are going to purchase. Whether it’s retail, office, industrial, or a multi-family apartment building, the lender will require varying amounts for the down payment. Most lenders tend to leverage more money on a multi-family apartment building loan over industrial or retail.

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Currency Trading - This Equation is Vital to Your Currency Trading Success!

If you want to enjoy currency trading success then you need to fully understand the formula enclosed and the fact is most currency traders don’t. The equation is the one for market movement and why prices move and here it is:

Fundamentals + Investor perception = Price

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Forex Charts - Using Them to Generate Big Profits a Live Example

Here we are going to look at how to use forex charts with a live example in the markets and how you can use them to find high odds probability trades and the opportunity we are going to look at is in dollar yen.

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Credit Cards Restrictions Hit Christmas Spending

Accountants Pricewaterhouse Coopers are warning holders of UK credit cards that they may find their credit limits reduced in the run-up to Christmas, as financial institutions focus on reducing their exposure to bad debt by attempting to improve the quality of their lending, following the global financial markets credit crisis.

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Finding the Right Lender for Your Student Loan

About half of all students nationwide will take out a student loan during their college years. That leaves a lot of debt floating around out there, but it’s for a good cause. Student loans have become a fact of life for many of us, especially since education is getting harder to afford. So, if you decide that a student loan is what you need to get through school, take a moment to consider what you want in a lender.

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It Is Getting Harder To Find Debt Solutions

Current changes in the debt solutions industry equates to borrowers needing help and solutions finding it more difficult to get out of their debt burden. For the past months, as the credit squeeze becomes even tighter, institutions have supposedly firmed up their guidelines to approving Individual Voluntary Agreements.

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Federal Debt Consolidation Program - Financial Support For Students

Federal debt consolidation program is different from other debt consolidation programs, as it is governed by the government of United States. Federal loans are usually given out to students. The interest rates charged on federal debt consolidation program are fixed by the government. These loans are easily available and very popular among students. A college student, who wishes to apply for some financial grant, must have a federal loan.

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Drowning In Debt? Debt Management is The Answer

Increasingly, debt is becoming a significant financial burden for many people that impacts all areas of life. Studies indicate that the largest cause of divorce is financial problems since it places a huge pressure on relationships. Unfortunately, most people drown in debt without ever realizing that help is available to free them from its tentacles and set them on solid financial ground. Shame, embarrassment and false optimism that things will improve on their own are the main reasons people let the problem get to overwhelming proportions.

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When is Filing Bankruptcy Appropriate to Avoid Foreclosure?

Filing bankruptcy to stop foreclosure is one of the most important decisions homeowners will make when faced with the loss of their homes. It is often the least-desirable option to save the home, due to the negative credit effects, but it can be considered as a last-ditch or backup effort if all else fails. Especially if the homeowners are running out of time and the lender is unwilling to stop the sheriff sale, bankruptcy may be one of the only options that would give the foreclosure victims some extra time and an opportunity to put together a longer-term solution to the problem. But knowing when to file bankruptcy and which type is most appropriate can be just as difficult of decisions as the initial one to file in the first place.

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Personal Bankruptcy On The Increase

The administrative office of the U.S. courts has finally released bankruptcy report for the first quarter of 2007. The document shows a continuous and consistence rise in the number of bankruptcy filing in the United States. The document put the first quarter filing at 193,641.

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Why You Should Seek Alternatives To Bankruptcy

The preliminary report by the administrative office of the U.S. courts shows that a number of Americans are “climbing” the bankruptcy ladder during the month of September 2007. The September report represents a new peak in the post-reformed law. It aptly reminds us of the word o f former U.S. senator, who once said “America is in the midst of bankruptcy crisis.” This is the reality today. Then, the question is not why do they go bankrupt? That would only not solve the problem but only leave some more dejected and resign to failure. The question should be what options and alternatives to it are available? Is there any of such? Yes there is! There are alternatives and they are readily available to any wiling individual. It suffices to note at this point that this article does not in any way constitute a legal advice. Thus, why you seek an alternative.

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Factors That May Increase Personal Bankruptcy

A number of factors are thought to be responsible for the steady rise in the rate of personal Bankruptcy filings in recent months. The September peak of 3541 filing per day is a call for concern to many rights thinking people. The numbers of filing recorded in the months following October 2005, seems to mean that the new law is the panacea all of us needed. Well, as we can see today, that is not to be. In fact, it seems that owing to some factor, the rate of filing will continue to climb at least into the foreseeable future.

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