You may not have enough equity in your home for a funding. ” >Save Thousands On Your Mortgage This article may be freely distributed so long as the copyright, author’s information and an active link (where possible) are included. If you are paying every two weeks you will make an additional monthly payment each year (26 bi-weekly payments vs. For example, on the home mortgage shown above, if you pay an additional $100 each month you will save over $82,000 in interest payments. ***************************************************************© Simple Joe, Inc.David Berky is president of Simple Joe, Inc. Interest charged on this credit card debt will top $18,400, more than 2.6 TIMES the original debt!If you work for a living, you know that when you are not working, you are not getting paid. Some months you may only be able to add $10 to your payment; some months you may be able to add $200. The feeling of being debt-free will far outweigh the temporary pleasure of that burger, movie or new DVD-player. One of Simple Joe’s best selling products is Simple Joe’s [...] That’s nearly two times the cost of the home!A credit card debt of $7000 (now the average) at 18% being paid at the rate of $20 principal plus interest each month will take over 29 YEARS to pay off, almost as long as a home mortgage.
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The Proper Use Of Credit Cards The monthly interest charge for a credit card charging 18% interest is over $100. They then make only the minimum payments required. A $1000 buy can end up costing $1500 when paid off after 5 years. But a credit card takes more effort and you know that you have to pay the bill later that month.Your credit card may also offer a rewards program where you get cash back, frequent flyer miles or discounts on services and merchandise.Credit cards are convenient. Home equity loans are used as credit cards to live a lifestyle that is beyond people’s means. I have personally seen a credit card limit expanded by $10,000 [...] Often the minimum payment is set so that you only pay the monthly finance charge (interest) or just a small amount above it.This will keep people paying that 18% rate for years. I know it’s not in style anymore but it is still the best policy.Bottom line: pay off your credit card balance each month. That’s right, the credit card bills keep coming. Then create a plan to get yourself out of debt and stick to it.You can relieve stress, avoid family conflicts and sleep better at night knowing that there are no credit card wolves howling at your door.***************************************************************© Simple Joe, Inc.David Berky is president of Simple Joe, Inc.
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Officers and shareholders can lose the protection [...] ” >A Quick Guide To Operating Small (S) Corporations Minutes are the voice and history of the corporate entity and can be used in court cases. It has a birthdate (the date of incorporation), and can have a death date (the date you close the corporation). It takes an extra investment of time and money, but just consider it additional insurance, both financial and for your peace of mind. Summary of marketing or advertising campaigns. Business plan, mission statement, corporate objectives, etc. a marketing company that sells simple software under the brand name of Simple Joe. They can help you avoid problems and even get you out of trouble you may stumble into.The law considers your corporate a separate entity. Quarterly and yearly financial records. Major stock sales, purchases or transfers (almost every stock activity in a small business will be “major”). You may want to have your accountant help you set up the computer software so that you have all the accounts you will need. Or you can buy accounting software such as QuickBooks, Peachtree, MYOB, etc. Notes of board meetings and stockholders meetings (at least one official meeting with minutes should be held each year). Major purchases of equipment, assets, other businesses. Many people see this protection as the main reason for forming a corporation vs.
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It takes an extra investment of time and money, but just consider it additional insurance, both financial and for your peace of mind. They can help you avoid problems and even get you out of trouble you may stumble into.The law considers your corporate a separate entity. You may want to have your accountant help you set up the computer software so that you have all the accounts you will need. Corporate minutes should be clear and understandable.It is recommended that the corporate minutes be typed, include a date, names of participants and signatures of participants or corporate officers.Things to include in the minutes: Authorization to open a bank or credit account. Major purchases of equipment, assets, other businesses. Or it can be an absolute nightmare if you don’t structure and operate your business properly.Never underestimate the resources of a good lawyer and accountant. Minutes also show that the officers/stockholders of the corporation are operating the corporation as an entity and not just an extension of themselves. Corporate minutes don’t have to be on fancy paper or letterhead and don’t have to use any special language style (legalese, corporatese, etc.). The following information touches on two aspects [...] ConclusionThere are few things more satisfying than building a business from scratch. A Quick Guide To Operating Small (S) Corporations Summary of business growth initiatives, projections and goals.
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Atlas OnePoint offers a sophisticated Bid Management tool to effectively manage your bidding strategy across 40 different Pay Per Click Search Engines and shopping comparison sites. If your competitor has done a good job optimizing their ad copy to achieve a high click through rate, their ad could appear above yours, even if you’re paying a higher cost per click. ” >Effective Keyword Bidding Strategies When doing Pay Per Click Advertising you’ll often see “Bid Gaps” emerge among the cost per clicks of the keywords you’re bidding on. Why Bid Gaps AppearOften times advertisers in the top position want to put distance between themselves and their competition to avoid having to check each day to see if they’re still in the #1 position. 78 In this example, if you used any of the “AutoBid” features offered by many of the Search Engines and set your maximum bid to $.99 ($.01 less than your competitor in the #1 position), the system would put you in the # 2 position at $.80 ($.01 more than the next highest bid), while [...] They could lower their bid to $.80 and still maintain their #1 position, while saving $.20 on each click. We highly recommend using automated bidding features whenever possible. We don’t necessarily endorse this approach, but the Pay Per Click Advertising game isn’t for the faint of heart.
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” >Invest Your Home in the Stock Market All in only 10 years. Oh yeah!Meanwhile what is happening with your home? After 20 years your investment amount will be worth nearly $820,000. One way to look at your investment rate of return is to subtract estimated inflation and then reduce the rate by 20% for taxes. Your 8% rate is now effectively 6.4%. (Author’s Note:  Although the stock market returns illustrated in this article are an obvious example of Greenspan’s “irrational exuberance” of 1997-2000, the concept is still valid. a marketing company that sells simple software under the brand name of Simple Joe. The same holds true for your home appreciation rate.But the possibility remains. Is this more than your bank savings account or CDs are paying? You can easily pay off your remaining mortgage amount of $180,000 and still have [...] You will have even more equity based on the principal amounts paid through your mortgage payments.So let’s say that for the next 10 years your home continues to appreciate at an average of 5% annually, and you have taken the $124,000 out through a home equity funding and invested it in mutual funds or stocks that average just 17% for the next 10 years.At the end of the 10 years your home will be worth around $398,000, of which $218,000 will be your equity.
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Request a list of these and other fees that are charged on these accounts and compare carefully. On a 15-year, $100,000 fixed-rate mortgage, just lowering the APR from 8.5% to 8.0% can save you more than $5,000 in interest charges. An increase of several percentage points might raise payments by hundreds of dollars per month. ” >Saving Money on Banking and Credit Services Direct deposit offers the additional advantages of convenience, security, and immediate access to your money, so look into it if you don’t already have it.Savings and Investment Products Before opening a savings or investment account with a bank or other financial institution, find out whether the account is insured by the federal government (FDIC or NCUA). Keep in mind that most refinancing loans reset your mortgage length to 15 or 30 years, not to where you are currently.Home Equity Loans Be cautious in taking out home equity loans. So how can you really know whether you are better off staying where you are at, or switching to a new service? On a $100,000 fixed-rate mortgage at 8% annual percentage rate (APR), for example, you will pay $90,000 less in interest on a 15-year mortgage than on a 30-year mortgage. This article may be freely distributed as long as the copyright, author’s information and an active link (where possible) are included. Then ask [...]
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This costs more for the accountant’s services but can save you a lot of time and headaches (and money) if you get in trouble with the IRS or your state/city taxing agencies.Corporate MinutesIncorporated businesses are required to keep minutes of the activities of the business. It is recommended that you retain an accountant to help with the accounting functions, year-end taxes and payroll taxes.Your accounting system can be as simple as a set of spread sheets (on paper [...] Summary of business growth initiatives, projections and goals. It has a birthdate (the date of incorporation), and can have a death date (the date you close the corporation). Also your accountant can help you learn how to enter different transactions. One of Simple Joe’s best selling products is Simple Joe’s Money Tools – a collection of 14 personal finance and investment calculators. ” >A Quick Guide To Operating Small (S) Corporations Minutes also show that the officers/stockholders of the corporation are operating the corporation as an entity and not just an extension of themselves. Minutes are the voice and history of the corporate entity and can be used in court cases. Notes of board meetings and stockholders meetings (at least one official meeting with minutes should be held each year). Any other significant business events. ConclusionThere are few things more satisfying than building a business from scratch.
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The last 20 years the stock market has seen gains well over 20% in some years. (Home Value * ((1 + Appreciation Rate) to the Years power) or 150,000 * (1.05^10)). ” >Invest Your Home in the Stock Market So if you purchased your home for $150,000 in 10 years at just 5% annual appreciation, your home will be valued at $244,000. The adjusted rate of return is now at 11.2%. A lower interest rate can free up some of your monthly mortgage payment for investing. Inflation has averaged 3-4% for the last 30 years. One way to look at your investment rate of return is to subtract estimated inflation and then reduce the rate by [...] The above examples are shown assuming your investments are not taxed on a yearly basis. You also need to understand how to invest your money wisely and look for opportunities to make money on the float.***************************************************************© Simple Joe, Inc.David Berky is president of Simple Joe, Inc. Or look into an interest only mortgage. (Author’s Note:  Although the stock market returns illustrated in this article are an obvious example of Greenspan’s “irrational exuberance” of 1997-2000, the concept is still valid. Taxes take their toll.Another aspect to consider is inflation. Or keep paying that 8% mortgage and earning the 17% on your investments.Is this guaranteed? Has it happened in the past?
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Abolish credit cards? People can even end up spending more each month than the actually earn.This can continue as long as the credit card balance is below the limit and the person makes their regular monthly payments. I have personally seen a credit card limit expanded by $10,000 within three months.This cycle can continue until the person is required to make a minimum payment that is more than they can afford. They also provide a way to postpone payment on items and thereby earn more interest on your money.For example, if you have a money market account that gives you 5% annual interest and you spend $1000 a month through your credit card, you can keep that $1000 in your money market account for an additional month. It [...] ” >The Proper Use Of Credit Cards In the above example you can save over 20% with taxes factored in.Many people have developed the habit of using their credit cards to buy what they want now and paying for it later. At the end of a year you would have earned an additional $51.16 for doing nothing.Now $51 may not be much but it’s free!Also you can use your credit card statements to keep track of exactly how much you are spending and where your money goes. Nationally imposed credit limits?How about a little old fashioned self-discipline?
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78 In this example, if you used any of the “AutoBid” features offered by many of the Search Engines and set your maximum bid to $.99 ($.01 less than your competitor in the #1 position), the system would put you in the # 2 position at $.80 ($.01 more than the next highest bid), while your competitor would still have to pay $1.00 for the # 1 slot (since the system would consider your $.99 maximum bid to be the next highest bid, and adjust your competitor’s bid to be $.01 more). ” >Effective Keyword Bidding Strategies 78 A “Bid Gap” has appeared between the #1 and the # 2 positions. Given these alternatives it may make more sense to opt for the # 2 position. If your competitor raises their bid the system will continue adjusting your bid until it reaches you maximum bid. You need to have a well thought out bidding strategy so you don’t overpay for your clicks, while still getting the traffic volume you need to reach your goals. Google claims this allows them to offer advertisers the best ranking on the page at the lowest cost, while guaranteeing the ads they display are relevant to the keywords users are searching on. Software company Pay Per Click Management offers a “CompetitionBuster” feature specifically designed to take advantage of your competition’s [...]
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