Display by: Title | Popularity

1). Home equity loans: abusive lending and how to avoid it Home Equity loans were initially designed to allow individuals who had not yet paid off the full amount of their home, the ability to borrow against what portion of the home they had paid for. So for example, a couple who had been making monthly payments for many years on their 30 year lease, could use the money they had already put into their home... 2). Term Life Insurance: The differences between Term and Whole Life policies Life Insurance quite generally is a policy whereby you pay a company a premium so that if you die while covered your descendents receive financial benefits. Within the larger Life Insurance window there exist two broad categories of policies, Term and Whole life (Whole Life is also known by the equivalent term Universal Life Insurance). Term Life i... 3). The Skinny on 1031 Exchange: Maximizing Profits by Minimizing your Tax Liability A 1031 exchange refers to Section 1.1031 of the Internal Revenue Code which was passed in 1990. Normally, when you sell all real and personal property, the tax code requires the payment of the Capital Gains Tax. That is to say, when you sell your office for $100,000 more than you bought it for, you must pay the gains upon those earnings. However, a... 4). Student Loan Consolidation-The Good, Bad, and the Ugly With tuition costs rising across the country, it has become increasingly necessary for college students to take on debt in an effort to get their degree. But student loan repayments are often difficult for students to make, especially considering that early on graduates incomes are typically quite a bit lower then their ultimate earning potential. ... 5). Cash-out refinance: Turning lemons into lemonade The oft given, rarely followed adage, "Turn Lemons into Lemonade" seems out of place in the world of refinance. But in fact, it is quite appropriate when considering entering into a Cash Out refinance loan. A Cash Out Refinance loan is simply a loan typically on the equity in a home, which is for greater than the amount actually owed on the home. T... 6). Homeowners insurance: What’s covered, what’s not, and what to look for Individuals planning on purchasing a home spend weeks if not months picking the perfect neighborhood, floor plan, and then home before they even consider purchase. In a similar way, buyers will shop around and compare the interest rates offered them on mortgages. Yet, when it comes to homeowners insurance, the norm is to still simply to defer the d... 7). Debt relief 101: Understanding your options and avoiding the scams The total consumer debt in the United States has ballooned to over two trillion dollars a full 100% greater than it was just a decade ago. As a result more people than are in need of debt relief services. But like with all burgeoning industries, there are a number of scams and ineffectiveness in many debt relief services. As a result, it is importa... 8). Payday loans: Why they are bad and how to make the best of them Almost everywhere you look these days you can find advertisements for payday loans. And like other financial products, you can usually conclude that the more a product is advertised, the higher the profit margins it provides for the seller. Pay Day loans come under the guise of a variety of titles including; cash advance loans, check ... 9). Supply chain management 101 Answering the question of what Supply Chain Management is, is as simple as breaking down the phrase into its component parts. Supplies are those inputs that a company relies upon to produce the product that will ultimately reach its customers. The chain is the group of suppliers that bring those inputs to a company and the process whereby those inp...