How Healthy Is Your Credit?


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There’s only one way to discover the “health?of your credit. You need to examine your credit
report. Your credit report is your “consumer identity?that potential lenders will use to judge your credit worthiness.

There’s only one way to discover the “health?of your credit. You need to examine your credit report. Your credit report is your “consumer identity?that potential lenders will use to judge your credit worthiness.

Use these tips to give your credit profile the “tune-up?it needs:

Tip #1- Check for Errors
Your credit report or profile is more than just a collection of who your creditors are and how much you owe them or have paid them.

The first thing you need to do is carefully check that your credit report is accurate. Nearly 70% of credit reports contain errors.

These errors may be as simple as an incorrect middle initial or address. Or it could be as serious as a creditor reporting that you were late with a payment when in fact you were not late at all.

This error might not seem like a big deal to you. However,to a future lender like a mortgage company it makes a big difference !

Carefully examine your credit report and if you find an error contact your creditor and the credit bureaus. Catchand correct these errors now before it hurts your chances of securing credit in the future.

Tip #2 – Correcting Errors
The two most common errors contained in credit reports are:

1) wrong account information
2) incorrect recording of late payments.

If you find an account reported that does not belong you, you need to contact the credit grantor or issuer immediately. Remember, finding accounts that you have not personally opened is a sign of possible identity theft.

Hopefully you’ll discover that this error is nothing more than an oversight and not an identity theft problem. Most often this occurs when they report an account belonging to a family member or someone with a similar name on your credit report.

If your problem is an error in reporting a late payment you will need proof to back up your case before this error can be corrected or removed. The most common error occurs when a payment is reported as “late?when it was actually a current or “on time?payment.

In either case, the problem can and should be corrected. You will need to correct the error in writing. Keep a journal or log of all calls and correspondence.

The Fair Credit Reporting Act (FCRA) requires the credit bureaus and the agency reporting the information to the credit bureau to correct inaccurate information in your credit report. Therefore, it is important that you contact both the credit bureau and the creditor whose information is in dispute.

A sample letter is included here to help you in correcting your credit profile. Make sure that you clearly identify the information that you dispute, include copies of receipts or documents that support your position. Then request that the information be corrected or deleted from your file.

Send your letter by certified mail and request a return receipt from the recipient. Keep all correspondence that you mail out. Give the agencies involved 30 days to begin their investigation. You can call them but be aware that phoning them does not protect your consumer rights! You must notify them in writing to protect your rights.

They must notify you of the results of their investigation. Although the process will take time, it’s important to do it. This is your credit profile, your “consumer identity?that is at stake. Don’t expect an error to correct itself.

At your request, the credit bureaus must send notices of corrections to your credit profile to anyone who has requested your report in the last six months. If you applied for a job and were turned down because of inaccurate information in your credit report, you can have the corrected report mailed to anyone who received a copy in the past two years.

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Sample Dispute Letter
Date

Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Credit Reporting Agency
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute are also encircled on the attached copy of the report I received. (Identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.)

This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing)

Originally Posted at http://www.ftc.gov/

++++++++++++++++++++++++++++++++++++

Tip #3 – Budget Planning
You can also use your credit report to help you plan and implement a personal budget. Your credit report will show you where you are spending your hard earned dollars. While the credit card balances may not be completely current, you’ll still see which of your cards has the highest balance outstanding.

If you have more than one major credit card you should compare the annual percentage rate (APR) you are paying on each account. If you are working on a budget to “pay
down?your credit cards, start by paying down the one with the highest APR or interest.

Once that credit account is paid off, move toward paying off the account with the second highest APR. Using this method you will be able to concentrate your efforts toward paying down your outstanding credit obligations.

You should also check with your credit card company to see what’s the best annual percentage rate (APR) they can offer you. If you are a good customer, you can often qualify for a lower rate than what you are currently being offered.

Caution: Ask if the new rate you are getting is a “promotional?rate or a “contract?rate. A promotional rate will expire at the end of the promotional term, for example 6 months. A contract rate does not have an “expiration?as long as you continue to meet the terms outlined by your creditor for that rate.

Tip #4 – Making a major purchase
If you are considering a major purchase such as a car or a home, checking your credit report gives you the chance to see what a potential lender sees and uses to judge your credit worthiness.

You want to make sure that your credit report is accurate before you apply for that sports car or new home. Errors or problems can be corrected before your lender can use
those against you and deny your credit request. You’ll also have a better idea of what type or rate of credit you should expect from a potential lender.

Tip #5 – Check your credit report regularly
Check your credit report regularly. Guard your “consumer identity?as you would anything else you treasure. Use your credit wisely, along with these tips, and you will enjoy the benefits that your good credit and your good name deserve now – and for years to come.

Instant Payday Loans for you ?No Faxing Required


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Looking for an instant payday loan? Want to know how and where to apply for this loan? Read our article and you will get all your issues resolved.

Bad Credit Cash Loans,Instant Payday Loan, Guaranteed Payday Loan, Payday Loan Store, Payday Loan Calculator

Payday loan is actually a short term loan. In today’s life instant payday loan has become very popular and as one does not need to have a credit check first to get the loan, so it has become very useful. You need not wait any further to get your payday loans approved as the process is very simple and you get instant payday loan without any trouble.

Process of Instant No Faxing payday loans:

After you are done with all the paperwork, you usually get the payday loan in cash. You might be wondering how does the loan get secured, right? Well, the payday loan is secured when you give out your post dated check. So you should keep in mind that you pay off the loan in the given time to avoid any further misfortunes.

Types Of No Faxing Cash Advance:
When it comes to the types of payday loans, there are many types of instant payday loans available nowadays. You will find many banks which offer payday loans called direct deposit advance. But you need to have your paychecks deposited and that too electronically into that particular bank. You can get a predetermined amount of small amount of cash. Then there are refund anticipation loans where the firm gives you a check for the percentage of your refund when you file your income taxes.

You can always go to a payday loan store if you want to see yourself the different payday loans available. But in this busy life, people hardly have time to visit such stores and they can even calculate their payday loans with the help of payday loan calculator. Also, they have the Internet at home where they can access the wide range of loans available. There are many websites where it promises instant payday loans. They are very useful and it saves a lot of time as well. You can have a look at all the different types of loan from the comfort of your chair.

Talking about the online payday loan, you must be aware of fraudulent sites that promises you guaranteed payday loan but actually they takes all the information from you and sometimes your credit card details and the rest is history. So, you should always visit a secured site when you are looking for payday loans. One small mistake can cost you a lot.

High Interest Credit Cards: Quick Tips


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Those of you who want to apply for major high interest credit cards to re establish or just to establish new credit should consider the price that they will ultimately pay, including interest, yearly fees, etc…

high interest credit cards

Most of the high interest credit cards are usually pretty easy to get and really the high interest rate only matters if you are going to roll over your balances from month to month. People that have been involved in bankruptcies, judgments or have a bad credit score, for some other reason are the most common applicants for these high interest credit cards. It might be possible to lower your interest charges with credit card balance transfers. If you are looking to consolidate all your debts or you just want to pay off your high interest credit cards, apply for a card that offers a low rate on balance transfers.

Those of you who want to apply for a major high interest credit card to re establish or just to establish new credit should consider the price that they will ultimately pay, including interest, yearly fees, etc… Those who have good credit may qualify for credit cards that offer a 0 percent interest rate on balance transfers for a full year, but be aware, if you make a payment late, you might end up paying higher interest than before you transferred your balance. A recent FDIC study revealed that the overwhelming rise in bankruptcy rates (up 400 percent in the last 25 years) is directly related to banking de-regulation and the use of high-interest credit cards.

Many credit cards can have interest rates, 15, 19 and even 24 percent or higher.?At these very high interest rates you are paying a lot of money in interest. If you are in a bind and missing payments, many credit card companies might agree to reduce your debt on a credit card dramatically if the borrower is able to pay off the balance rather than continue to miss payments, so it might be worth contacting a debt expert to negotiate on your behalf. If you have a good credit score, one way of paying all of your high interest credit card balances, is to take out a debt consolidation loan, which will mean that you can pay off all of your credit cards with one lower interest loan, possibly saving you quite a bit of money.

Cash Advance Loans Online – The Plus Side


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Cash advance loans online can be a huge lifesaver when you find yourself in a bit of a pinch in between your paydays. So just what is a cash advance loan and how will it be helpful to you?

cash advance loans online

Cash advance loans online can be a huge lifesaver when you find yourself in a bit of a pinch in between your paydays. So just what is a cash advance loan and how will it be helpful to you?

A cash advance loan (or payday loan) is a very short-term loan that carries extremely high interest rates. Generally, these types of loans last from a period of one to four weeks and you either write a check out that the company will cash when the loan is due or you would have to authorize the company to be able to make withdrawals out of your savings or checking account.

If you are in a bad credit situation when it comes to obtaining a loan, getting a cash advance loan may just be the answer you are seeking. Most all payday loan companies only require that you have either an active savings or checking account and have held your current job between 3-6 months and be able to prove how much you make in a month.

You can obtain your money very quickly when you decide to into applying for cash advance loans online. After you have provided the loan company with all of the information that they require and you are approved you are likely ti have your cash within 24 hours sometimes instantly depending on the company you are getting your loan through.

Getting a cash advance loan can assist you in making your credit score better. Just make sure that when you are getting an advance you make sure that the loan company reports to one of the three major credit agencies.

Now the next time that you are in a bind and need some cash quickly, if you are you sure you can meet the terms, applying for cash advance loans online would be a smart move.

Home Loan For People With Bad Credit


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Do you have problems getting a home loan because you have poor credit (or bad credit)? If so, forget the frustrations you may have dealt with in the past, there is hope! There are loans designed just for people like you.

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Do you have problems getting a home loan because you have poor credit (or bad credit)? If so, forget the frustrations you may have dealt with in the past, there is hope! There are loans designed just for people like you. A Home loan for people with bad credit is becoming easier to find thanks to online banking.
A home loan for people with bad credit is a unsecured or secured loan for people who have a poor credit rating. Banks call “bad credit” anything from having a late credit card payment, bankruptcy, defaulting on a past loan as well as several other negative listings on your credit report.

A secured loan is a loan that is secured against property (the value of your home, car, business etc.). These loans are perfect for when you’re trying to borrow a large amount of money, can’t get a loan from a traditional bank or lender, or have poor credit. Also, you can get a lower interest rate then most unsecured loans.

Unsecured bad credit loans are not secured by any type of property, and used to be pretty hard to come by and with high interest rates. However, now many online finance companies are able to offer these loans, with much lower rates.

Bad credit could happen to anyone. If you fail to make a payment because you simply couldn’t afford it, your credit rating will instantly suffer. Your missed payment would get noticed and flagged on your credit report, thus working against you when applying for a loan. Home loans for people with bad credit were introduced to help people who need a loan with poor credit, as well as to improve their credit rating at the same time.

Many online mortgage companies now offer a home loan for people with bad credit because of their low overhead. They don’t need to worry about large buildings, thousands of employees, or many other factors that traditional banks have to deal with. Because their expenses are so much lower, they can offer loans that most banks simply can’t.

Also, many online loan companies are now specializing in this market, now realizing that they can actually profit over most banks by helping people out who all the traditional banks ignored! It’s starting to be a win – win situation. These companies are making niche profits, people with bad credit are getting home loans AND improving their credit rating at the same time.

Providing that the borrowers pay the loan on time, there credit rating now gets better every month. Many people have actually raised their personal credit score (the three digit number that banks look at to quickly rate an applicant) by leaps and bounds. People who have been making their payments on time have reported gaining 30 to 50 points every year. For many borrowers with poor credit, that means having a nearly perfect credit score in a few years.

Sites like Low Rate Source are now openly advertising “any credit welcome” right on their homepage. The other main benefit from sites like these is that the forms are pretty simple and fast (name, address and type of loan), so you don’t have to sit around filling out long rate quote applications. We’ve listed several sites that you may want to check out below, both sites that offer home loans for people with bad credit and some trusted credit repair websites that we have reviewed. The best bet for most people with less then perfect credit is to apply with finance companies that offer bad credit home loans and to start some type of credit repair program at the same time, then if your loan is denied – simply apply again in a month or two.

Good Luck and Great Rates,
Liam Griffon

5 Simple Ways To Lower Your Monthly Bills ?And Save Lots Of Money!


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Here you’re going to learn several ways to save money every month by lowering your monthly bills.

There are lots of ways to save money, no matter how much of it you have – or don’t have!

Having struggled for many years paying my own bills, I learned many ways to save money. From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage.

All you need to know is where to look to find the savings.

Several Ways To Save Money

save money, get out of debt, monthly bills

Here you’re going to learn several ways to save money every month by lowering your monthly bills.

There are lots of ways to save money, no matter how much of it you have – or don’t have!

Having struggled for many years paying my own bills, I learned many ways to save money. From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage.

All you need to know is where to look to find the savings.

Several Ways To Save Money

The first thing you need to do is eliminate ALL of your unnecessary expenses:

?eating out on the weekends
?buying lunch at work every day
?magazine and newspaper subscriptions (especially those you can get online and at the local library)
?cable TV (you’d be amazed at how many other ways you’ll find to spend your time once you get rid of cable TV)
?groceries (you can save lots of money with coupons and specials.)

It’s OK to reward yourself once in a while, but if you are really looking to get out of debt faster, you owe it to yourself to save every single penny you can!

To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements. You should also call your credit card companies to see if they will lower your interest rates, even if it is only for a short time.

You’ll be amazed at how many ways you can save money, especially once you start looking carefully at how you spend your money every month.

Shop Around For The Lowest Prices

For those expenses you can’t eliminate, it’s time to start shopping around for the best prices.

Once I realized you can shop around for just about ANYTHING you spend money on every month, I learned how to save myself SEVERAL HUNDRED DOLLARS each and every month!

In fact, by shopping around I ended up saving myself more than $750 a year on car insurance alone!

The same is true of many of your monthly expenses – like long distance telephone service, internet service, all types of insurance, mortgages, and in some places even your utility bills.

It DOESN’T take any special skills. All it takes is a few clicks and you can save yourself a bunch of money in no time at all!

So, if you’d like to save yourself lots of money every month – and who doesn’t – start shopping around and looking for ways to lower your monthly bills right away!

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Kill Bills


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Bills are like warts. They pop up when least expected, they’re ugly and annoying and seem to stick around forever. This article suggests various ideas to help eliminate those extra bills from cluttering your finances.

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Get Rid of Some “Extras”

The key to financial freedom is building wealth. The key to building wealth is eliminating all your extra bills so you have money to save. The average consumer’s credit report carries quite a burden from these bills as well. Let’s start with what hurts the most. Eliminate any habits you currently have. Most habits cost money and if it’s a habit it can’t be healthy for you in the long run anyway. Smoking, drinking, candy, coffee, collecting junk, etc. You will be surprised how much cash you pocket if you just quit 1 or 2 of the above (if any apply of course). By giving up a habit you are not only saving money and maybe even your health, but you are also gaining self-discipline helping you mature financially.

Food: Dine In or Carry Out

Let’s look at the two separately AND together. If you eat out once a week, even at $25 you are spending $100 a month. Pretty simple math. Let’s say you get carry-out (drive-thru) 3 times a week at $5 per visit. This equals $60 a month. These figures are below average, but even so, this is $160 in 1 month that could be used to eliminate some smelly debt. Pack a lunch for work. Try cooking at home. It’s a fraction of the cost, it tastes better than “fast food” and it is usually healthier. If you can’t eliminate eating out then try cutting it in half for starters.

Grocery List (or lack thereof)

Many consumers head to the grocery store with no plan or list. BIG mistake. This is what grocery stores are designed for. Go ahead, walk down each aisle and tempt yourself with row after row, shelf after shelf of junk food, extra stuff that you don’t need. A list could save you 50% alone – that much more to wipe out those irritating loan payments. A grocery list serves two purposes. It saves you quite a bit of money which you notice immediately. Secondly, it allows you to be more prepared for the upcoming week, month or however often you shop. You can make out a daily meal plan ahead of time so you know exactly what you need to purchase and approximately how much cash you will need.

Sell Some Stuff

Everyone has stuff lying around collecting dust. Remember the saying “One man’s trash is another man’s treasure.”? You could probably knock out a couple of stagnate bills with some of those collectibles sitting in a box in the closet. You would be surprised to know that an object you have absolutely no interest in could sell on an auction site and pay off that hospital bill that’s been chasing you around like a mad hornet.

Cash, Cash, Cash

Only buy with cash. Plastic looks the same when you spend it. Dollar bills disappear and you will feel the impact when you start to get a shortage of it. Start a cash envelope system – at least one for gas, food and clothing. Like any new system, it will take a few times before you get the right amount in the envelopes. You will start to notice a large impact on your budget though and will find it worth while. If you buy something with cash you don’t owe on it. You might think a little longer about it too when you hold on to that $100 bill. If you apply the various techniques and ideas in this article you will start to knock chunks off your overall debt. This will get you closer to achieving financial freedom and your credit report will begin the long awaited healing process. Start today!

To read more about how you can get your online credit report free with no obligations, see what is on your file and clean up your credit report go to http://www.cleancreditonline.com

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Payday Loans ?How to Borrow the Instant Money


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Payday loans offer timely monetary help in 24 hours, but you should be first aware of its aspects in order to make it less burdensome. Read the article for more.

Payday Loans, Low Interest Loans, Low Interest Personal Loans, Low Interest Unsecured Loans

Salaried people require instant money very often for some urgency. While they tend to rush to take out Payday Loans, they must ensure that its repayment burden does not become a nightmare. These loans may turn out to be highly burdensome as well.

These loans provide money on certain conditions, which you must meet. For instance, you must be an employee for at least last six months, with a fixed monthly salary. There should be an active bank checking account in your name.

You should also be ready to write a post-dated cheque of the borrowed amount and fee. It is against the cheque that the lender will electronically deposit the loan amount in your bank account. Most of the applicants receive the loan amount within 24 hours in their bank account.

Payday loans range from

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Volatility, So What?


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There are ways to beat the expectation game and reduce volatility to your portfolio. You do not have to wait for the press release and wait nervously whether your company beat or miss expectation. One way is to buy company with a modest expectation.

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Earning Season is always volatile to stock prices. Traders jerk in and out depending on the outcome of the report. For example, Texas Instrument (TXN) reported that its third quarter earning of 2005 rising 12% year over year. And yet, TXN fell after hour due to weak forecast. The game now is the expectation game. If the company beats, share price normally rise. If it doesn’t, share price plunge.

There are ways to beat the expectation game and reduce volatility to your portfolio. You do not have to wait for the press release and wait nervously whether your company beat or miss expectation. One way is to buy company with a modest expectation. The definition of modest varies among individuals but to me, modest expectation has a forward P/E ratio of less than 10. What happens when a company with modest expectation miss expectation? While, share price may get clobbered, I don’t think it will move much. Why? Because P/E of 10 already incorporates a 0% EPS growth. Even if EPS stays constant for the next ten years, company with P/E of 10 will return its shareholder roughly 10% a year.

Another way is to pick company that has predictable cash flow and dividend payment. Investors hate uncertainty. Companies that pay dividends eliminate some of that uncertainty. For example, a stock has a 4% dividend yield and it misses expectation for the quarter. The stock might tumble, pushing the dividend yield up to 4.2 or 4.5 %. By then, a lot of value investors will be interested in owning the stock and the drop in stock price will be less severe.

Finally, the last way to reduce volatility is to pick up companies with cash rich balance sheet. Some companies may have cash up to half of their market capitalization. For example, OmniVision Technologies Inc. (OVTI) has a market capitalization of $ 720 M. It has $ 300M in net cash, about 41.6% of market cap. With $ 300 M in cash cushion, it is hard to imagine the company to have market capitalization below $ 300 M. It is possible, but it is uncommon.

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Finance — General Overview


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Finance is a generally applied term for more than a couple of things. The term finance applies to the commercial activity of providing funds and capital; also it is that branch of economics that studies the management of money and other assets. If one were to round up the different definitions into one, finance can be defined as the management of funds and capitals required by a business activity.

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Finance is a generally applied term for more than a couple of things. The term finance applies to the commercial activity of providing funds and capital; also it is that branch of economics that studies the management of money and other assets. If one were to round up the different definitions into one, finance can be defined as the management of funds and capitals required by a business activity.

Management of Finance
Management of finance has developed into a specialized branch within management since long ago. Managing finance involves dealing with optimizing allocation of funds to various activities either by borrowing or by mobilizing from internal resources. The word optimizing in finance may strike an odd note but it means taking intelligently structured steps at minimizing the cost of financing while simultaneously attempting to maximize the profits out of the employed finance.

Finance Governs Most of the Activities
A poor finance management will immediately show as deteriorating conditions in the procurement, production and sales as it touches all spheres of business activities. For this reason, a finance manager is expected to be very judicious in either mobilizing funds or allocating for expenses. Lee Iacocca, the most revered management guru, calls finance managers as ‘bean counters’ who look at the expense part with rather pessimistic view. Unlike the sales managers, who would like to invest in future by product development, finance managers are rather skeptic of financing a project whose benefits lie in the future. Finance management governs the future outcome too.

Finance in Small Business
For most small business owners there is not a clear distinction between personal finance and business finance often leading to cross utility of funds. Lenders, either future or present, don’t look at this with a soft corner. But resisting the tendency for such utilities may dampen ones zeal temporarily but sure brings the much needed discipline which is the foundation of all future progresses.

Financing a business can often be perilous if not approached with caution. Although bad management is commonly given as the reason businesses fail, inadequate or ill-timed financing comes a very close second. Whether you’re starting a business or expanding one, sufficient ready capital is essential. But it is not enough to simply have sufficient financing; knowledge and planning are required to manage it well. These qualities ensure that you will avoid common mistakes like securing the wrong type of financing, miscalculating the amount required, or underestimating the cost of borrowing money.

Financing
Small businesses can finance their needs from either internal resources, friends or from banks and private lenders. The less you finance from outside lenders the more it ignites the profitability. This is why, perhaps, Bob Hope famously said, “A bank is a place that will lend you money if you can prove that you don’t need it.”

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Make Extra Money – Six Unusual Ways


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Process serving, stealing cars (legally) and other ways to make extra money.

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I was young and wanted some way to make extra money – something other than another fast food job. A friend of the family owned a small insurance agency. The owner decided to get into the business of process serving, and I applied for the job. Tracking people down and handing them their court subpoenas sounded like fun.

It was more interesting than most of the jobs I have had. I had to find two defendants in a lawsuit stemming from a school football injury (they worked for the school). Both had moved to the area, leaving no forwarding address. After using my best phone pretexts to get information from the family, and doing a little investigating locally, I found them both working in the same place.

I walked up to each, asked their name and handed them the papers. They were served. The problem was that the company was billing by the hour, and I had found these two quickly, meaning little profit. They dropped the idea for the new service, and dropped my job along with it. So much for getting ahead by doing a good job.

I had a wide variety of unusual jobs and other ways to make extra money when I was younger. Sitting here reminiscing at the keyboard might be considered an unusual way to make money too, but hey, it works. Here are some of the other ways.

Make Extra Money By…

Stealing cars: At twenty-one I was willing to try almost anything to make extra money. My brother’s towing business got a contract to repossess cars, and I became a “repo man.” Prowling the night with my brother, looking for and legally “stealing” cars – this was fun. Don’t expect to make too much money doing this though, unless you live in the right area. Oh, and it did involve getting chased, having a gun pulled on us, and other little adventures.

Making walking sticks: I sold hundreds of my own handmade walking stick alongside our other items at flea markets. I added handgrips made from recycled leather jackets, so they cost about 50 cents to make. I sold them for anywhere between $6 to $26. You may also want to make a hobby into a way to make money, but there isn’t too much money involved most of the time.

Financing other peoples plans. I put up the cash to buy cars for a couple friends. They knew cars, I had cash. A friend needed $3200 to buy and fix a corvette, for example, and two weeks later sold it for $4200, netting us $500 profit each. Letting your money do the work to make extra money – this is one of the best ways.

Rent rooms. At one point I had almost $10,000 per year coming in from renting the rooms in my home. I owed nothing on the home at this point, so this was a nice income. I had decent renters, and I had built a efficiency apartment on the back of the place for privacy for my wife and I. Easy ways like this are my favorite ways to make extra money.

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Your Ticket To Financial Freedom


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Now days it is nearly impossible today for the average family to thrive on a single income. However, the skyrocketing cost of child care makes it difficult for both parents to work. Fortunately, the internet has made making money online a suitable income option without the need for commuting or day care.

Making money online means much more than entering contests and sweepstakes; it is not uncommon to see a professional create a home business in computer programming, accoun…

home based,home business,work from home,marketing,opportunity,home workers,Search Engine Marketing

Now days it is nearly impossible today for the average family to thrive on a single income. However, the skyrocketing cost of child care makes it difficult for both parents to work. Fortunately, the internet has made making money online a suitable income option without the need for commuting or day care.

Making money online means much more than entering contests and sweepstakes; it is not uncommon to see a professional create a home business in computer programming, accounting, medical billing, and many other fields. Making money online has never been easier! All that is required is a computer, a reliable internet connection, and an idea.

Often times, the most challenging task involved in making money online is coming up with the perfect idea. We’re not all computer programmers, web developers, or content writers. However, we all have some talent or skill that others will pay for. Making money online is as simple as figuring out what you do well and deciding how to leverage that talent into an opportunity.

For example, a friend of mine had little computer experience, but was interested in making money online. I suggested that she think about what she enjoyed doing and using that as the basis for her home business. She said that her greatest skill was the creation of unique homemade jewelry items. She hired another home business professional (a web designer) to build a website for her and she is now making money online selling her jewelry creations.

Making money online by starting a home business is not the daunting task that many budding entrepreneurs assume. If you carefully consider your skills and talents and figure out how to leverage those abilities on the internet, you’ll be making money online in no time!

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